Roscoe, TX
Roscoe wildfire risk explained
Roscoe sits at the 69th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 957 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Roscoe at the 64th percentile, close to its 69th-percentile risk score.
Roscoe's building exposure, zone by zone
USFS classifies 94.5% of Roscoe's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 5.5% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Roscoe ranks
Roscoe's 69th national percentile looks worse in isolation than its 29th ranking inside Texas does — this place is on the milder end for its own state, by 40 points. Among the 31,521 US communities USFS scores, Roscoe ranks 9,784 for wildfire risk (1 is highest) and 12,260 by building count (1 is largest). Within Texas alone, it ranks 1,280 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Roscoe
Roscoe'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 Roscoe
Even with 94.5% of Roscoe outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Roscoe's figures come from
Roscoe's 69th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Roscoe's dominant minimal exposure actually means, with real examples from across the dataset.