Sanger, TX
Sanger wildfire risk explained
USFS's Wildfire Risk to Communities model puts Sanger at the 82nd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 3,542 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Sanger at the 82nd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
77.3% of Sanger's 3,542 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 20.5% Direct and 2.2% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Sanger ranks
Sanger ranks lower within Texas (66th percentile statewide) than its 82nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Sanger ranks 5,688 for wildfire risk (1 is highest) and 4,728 by building count (1 is largest). Within Texas alone, it ranks 610 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 82nd percentile nationally, Sanger 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
With ember exposure the dominant pattern in Sanger (77.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Sanger's figures come from
Sanger's 82nd-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 Sanger's dominant indirect exposure actually means, with real examples from across the dataset.