Saginaw, TX
How exposed is Saginaw to wildfire?
Saginaw's 8,634 buildings earn a 64th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Saginaw's burn probability — fire likelihood with no building count factored in — sits at the 63rd percentile nationally.
Saginaw's building exposure, zone by zone
Saginaw rates 72.1% Minimal exposure against just 7.3% Direct and 20.6% Indirect — of 8,634 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 8,634 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Saginaw against the rest of the country
Saginaw's 64th national percentile looks worse in isolation than its 20th ranking inside Texas does — this place is on the milder end for its own state, by 44 points. Among the 31,521 US communities USFS scores, Saginaw ranks 11,235 for wildfire risk (1 is highest) and 1,930 by building count (1 is largest). Within Texas alone, it ranks 1,432 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Saginaw
Saginaw's 64th-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.
Lowering exposure, not just insuring around it
With 72.1% of buildings rated Minimal exposure, Saginaw gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Saginaw's 64th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Saginaw, see the exposure-zones guide.