Roaring Springs, TX
Roaring Springs wildfire risk explained
Roaring Springs sits at the 97th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 258 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Roaring Springs at the 97th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Roaring Springs's buildings actually sit
Direct exposure dominates in Roaring Springs: 67.8% of its 258 buildings, versus 32.2% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Roaring Springs compares
Roaring Springs scores 97th nationally and 98th within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Roaring Springs ranks 833 for wildfire risk (1 is highest) and 22,903 by building count (1 is largest). Within Texas alone, it ranks 40 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
What this risk score means for insurance
Roaring Springs's 97th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Roaring Springs (67.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Roaring Springs's figures come from
The methodology guide shows exactly how USFS turned 258 counted buildings into the percentiles shown above for Roaring Springs. The exposure-zones guide covers what Roaring Springs's dominant direct exposure actually means, with real examples from across the dataset.