San Fernando, TX
San Fernando, TX's wildfire risk, in USFS's own numbers
San Fernando's 24 buildings earn a 90th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts San Fernando at the 90th percentile, close to its 90th-percentile risk score.
San Fernando's building exposure, zone by zone
24 buildings are counted in San Fernando, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal. This is a small settlement by building count — 24 total — so these shares describe a handful of structures, not a statistical average across thousands.
San Fernando against the rest of the country
San Fernando's risk sits at a similar level relative to Texas (84th percentile statewide) as it does nationally (90th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, San Fernando ranks 3,162 for wildfire risk (1 is highest) and 31,433 by building count (1 is largest). Within Texas alone, it ranks 293 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
San Fernando and the insurance market
At the 90th percentile nationally, San Fernando carries the very 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.
Lowering exposure, not just insuring around it
San Fernando's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where San Fernando's figures come from
The methodology guide shows exactly how USFS turned 24 counted buildings into the percentiles shown above for San Fernando. Small places like San Fernando (24 buildings) are exactly where USFS's underlying data gets sparsest — see the data-quality guide for the 517 places that didn't clear the bar.