Seven Points, TX
How exposed is Seven Points to wildfire?
Seven Points sits at the 78th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 893 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Seven Points at the 79th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Seven Points's building exposure, zone by zone
893 buildings are counted in Seven Points, and 57.2% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 26.8% rated Minimal.
Seven Points against the rest of the country
Seven Points ranks lower within Texas (57th percentile statewide) than its 78th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Seven Points ranks 6,823 for wildfire risk (1 is highest) and 12,788 by building count (1 is largest). Within Texas alone, it ranks 774 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
Seven Points's 78th-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
Seven Points's 57.2% 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 Seven Points's figures come from
Seven Points's 78th-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 Seven Points's dominant direct exposure actually means, with real examples from across the dataset.