Sherman, TX
How exposed is Sherman to wildfire?
USFS's Wildfire Risk to Communities model puts Sherman at the 73rd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 17,259 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Sherman's burn probability — fire likelihood with no building count factored in — sits at the 72nd percentile nationally.
Where Sherman's buildings actually sit
USFS puts 57.4% of Sherman's 17,259 buildings in the Indirect exposure zone, versus 29.4% Direct and 13.3% Minimal — a place where the fire doesn't need to reach the structure directly for embers to. At 17,259 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Sherman compares
Sherman ranks lower within Texas (38th percentile statewide) than its 73rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Sherman ranks 8,650 for wildfire risk (1 is highest) and 832 by building count (1 is largest). Within Texas alone, it ranks 1,110 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
Sherman's high rating (73rd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
With ember exposure the dominant pattern in Sherman (57.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Sherman's 8,650-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Sherman, see the exposure-zones guide.