Runaway Bay, TX
Runaway Bay, TX's wildfire risk, in USFS's own numbers
USFS scores Runaway Bay at the 93rd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 797 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Runaway Bay's burn probability — fire likelihood with no building count factored in — sits at the 93rd percentile nationally.
Where Runaway Bay's buildings actually sit
Of Runaway Bay's 797 counted buildings, 52.3% carry Direct exposure and only 8.3% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Runaway Bay against the rest of the country
Runaway Bay's risk sits at a similar level relative to Texas (91st percentile statewide) as it does nationally (93rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Runaway Bay ranks 2,281 for wildfire risk (1 is highest) and 13,668 by building count (1 is largest). Within Texas alone, it ranks 165 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
Runaway Bay's 93rd-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 Runaway Bay (52.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Runaway Bay's 93rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Runaway Bay, see the exposure-zones guide.