Roby, TX
Roby wildfire risk explained
Out of every US place USFS scores, Roby lands at the 69th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 487 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Roby's burn probability — fire likelihood with no building count factored in — sits at the 65th percentile nationally.
Where Roby's buildings actually sit
Most of Roby's buildings (66.9% of 487) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Roby ranks
Roby's 69th national percentile looks worse in isolation than its 28th ranking inside Texas does — this place is on the milder end for its own state, by 41 points. Among the 31,521 US communities USFS scores, Roby ranks 9,941 for wildfire risk (1 is highest) and 17,592 by building count (1 is largest). Within Texas alone, it ranks 1,303 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
Roby's 69th-percentile, 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.
Hardening a home in Roby
With 66.9% of buildings rated Minimal exposure, Roby gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Roby's figures come from
The methodology guide shows exactly how USFS turned 487 counted buildings into the percentiles shown above for Roby. The exposure-zones guide covers what Roby's dominant minimal exposure actually means, with real examples from across the dataset.