Schertz, TX
How exposed is Schertz to wildfire?
USFS scores Schertz at the 67th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 16,774 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Schertz's burn probability — fire likelihood with no building count factored in — sits at the 67th percentile nationally.
Schertz's building exposure, zone by zone
61.2% of Schertz's 16,774 buildings sit in USFS's Minimal exposure zone, with only 18.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 16,774 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Schertz ranks
Schertz ranks lower within Texas (25th percentile statewide) than its 67th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Schertz ranks 10,353 for wildfire risk (1 is highest) and 862 by building count (1 is largest). Within Texas alone, it ranks 1,353 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Schertz
Schertz's 67th-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.
What would actually reduce this score
Even with 61.2% of Schertz 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 Schertz's figures come from
Schertz's 67th-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 Schertz's dominant minimal exposure actually means, with real examples from across the dataset.