Sam Rayburn, TX
Sam Rayburn wildfire risk explained
Sam Rayburn sits at the 79th 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 1,324 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Sam Rayburn's burn probability — fire likelihood with no building count factored in — sits at the 80th percentile nationally.
Where Sam Rayburn's buildings actually sit
84.8% of Sam Rayburn's 1,324 buildings sit in USFS's Direct exposure zone, roughly 1,123 structures close enough to burnable vegetation for flame contact, not just embers — 9.7% fall in the Indirect, ember-only zone and 5.4% are Minimal.
Where Sam Rayburn ranks
Sam Rayburn's 79th national percentile looks worse in isolation than its 58th ranking inside Texas does — this place is on the milder end for its own state, by 21 points. Among the 31,521 US communities USFS scores, Sam Rayburn ranks 6,760 for wildfire risk (1 is highest) and 9,962 by building count (1 is largest). Within Texas alone, it ranks 759 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
At the 79th percentile nationally, Sam Rayburn carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Sam Rayburn
Because Direct exposure dominates in Sam Rayburn (84.8%), 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
The methodology guide shows exactly how USFS turned 1,324 counted buildings into the percentiles shown above for Sam Rayburn. For more on what direct exposure implies beyond Sam Rayburn, see the exposure-zones guide.