Shady Shores, TX
Shady Shores, TX's wildfire risk, in USFS's own numbers
USFS scores Shady Shores at the 60th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,355 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Shady Shores at the 61st percentile, close to its 60th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 72.5% of Shady Shores's buildings as Direct exposure, higher than its 14.8% Indirect share and far above its 12.8% Minimal share — a profile where 982 structures sit close enough to vegetation that lot clearing matters most.
Shady Shores against the rest of the country
Shady Shores's 60th national percentile looks worse in isolation than its 14th ranking inside Texas does — this place is on the milder end for its own state, by 46 points. Among the 31,521 US communities USFS scores, Shady Shores ranks 12,716 for wildfire risk (1 is highest) and 9,811 by building count (1 is largest). Within Texas alone, it ranks 1,551 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shady Shores and the insurance market
Shady Shores's elevated wildfire rating (60th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Shady Shores's 72.5% 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
Shady Shores's 60th-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 Shady Shores, see the exposure-zones guide.