Scotland, TX
Scotland, TX's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Scotland lands at the 94th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 507 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Scotland's burn probability — fire likelihood with no building count factored in — sits at the 93rd percentile nationally.
Where Scotland's buildings actually sit
Direct exposure dominates in Scotland: 58.6% of its 507 buildings, versus 41.4% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Scotland compares
Scotland's risk sits at a similar level relative to Texas (92nd percentile statewide) as it does nationally (94th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Scotland ranks 2,060 for wildfire risk (1 is highest) and 17,231 by building count (1 is largest). Within Texas alone, it ranks 139 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Scotland and the insurance market
Scotland's 94th-percentile, very 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.
Hardening a home in Scotland
Scotland's 58.6% 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.
More on how this number was built
Scotland's 94th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Scotland, see the exposure-zones guide.