San Carlos, TX
How exposed is San Carlos to wildfire?
USFS scores San Carlos at the 64th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 1,091 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, San Carlos's burn probability — fire likelihood with no building count factored in — sits at the 66th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 79.3% of San Carlos's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 20.7% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
San Carlos against the rest of the country
San Carlos'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, San Carlos ranks 11,293 for wildfire risk (1 is highest) and 11,336 by building count (1 is largest). Within Texas alone, it ranks 1,440 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
San Carlos's high rating (64th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in San Carlos
Even with 79.3% of San Carlos 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 San Carlos's figures come from
San Carlos's 64th-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 San Carlos's dominant minimal exposure actually means, with real examples from across the dataset.