Sadler, TX
Sadler, TX's wildfire risk, in USFS's own numbers
USFS scores Sadler at the 82nd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 302 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Sadler at the 82nd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Sadler's buildings actually sit
94.7% of Sadler's 302 buildings sit in USFS's Direct exposure zone, roughly 286 structures close enough to burnable vegetation for flame contact, not just embers — 5.3% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Sadler ranks
Sadler's 82nd national percentile looks worse in isolation than its 65th ranking inside Texas does — this place is on the milder end for its own state, by 17 points. Among the 31,521 US communities USFS scores, Sadler ranks 5,844 for wildfire risk (1 is highest) and 21,590 by building count (1 is largest). Within Texas alone, it ranks 632 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
Sadler's 82nd-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.
What would actually reduce this score
With 94.7% of Sadler in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Sadler's 5,844-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Sadler, see the exposure-zones guide.