Seth Ward, TX
Seth Ward wildfire risk explained
USFS's Wildfire Risk to Communities model puts Seth Ward at the 61st national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 1,314 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Seth Ward at the 58th percentile, close to its 61st-percentile risk score.
What "at risk" means for the buildings here
60.6% of Seth Ward's 1,314 buildings sit in USFS's Minimal exposure zone, with only 39.4% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Seth Ward ranks
Seth Ward ranks lower within Texas (15th percentile statewide) than its 61st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Seth Ward ranks 12,401 for wildfire risk (1 is highest) and 10,000 by building count (1 is largest). Within Texas alone, it ranks 1,528 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Seth Ward and the insurance market
At the 61st percentile nationally, Seth Ward carries the 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.
What would actually reduce this score
Even with 60.6% of Seth Ward 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,314 counted buildings into the percentiles shown above for Seth Ward. For more on what minimal exposure implies beyond Seth Ward, see the exposure-zones guide.