Shallowater, TX
How exposed is Shallowater to wildfire?
Out of every US place USFS scores, Shallowater lands at the 64th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 1,287 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Shallowater's burn probability — fire likelihood with no building count factored in — sits at the 62nd percentile nationally.
Shallowater's building exposure, zone by zone
USFS classifies 92.9% of Shallowater's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 7.2% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Shallowater ranks
Inside Texas, Shallowater sits at just the 19th percentile even though it scores 64th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Shallowater ranks 11,360 for wildfire risk (1 is highest) and 10,152 by building count (1 is largest). Within Texas alone, it ranks 1,447 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shallowater and the insurance market
At the 64th percentile nationally, Shallowater 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.
Hardening a home in Shallowater
Shallowater's 92.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Shallowater's figures come from
Shallowater's 64th-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 Shallowater's dominant minimal exposure actually means, with real examples from across the dataset.