Shiro, TX
How exposed is Shiro to wildfire?
USFS scores Shiro at the 76th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 203 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Shiro at the 78th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Shiro's buildings actually sit
USFS classifies 62.6% of Shiro's buildings as Direct exposure, higher than its 37.4% Indirect share and far above its 0% Minimal share — a profile where 127 structures sit close enough to vegetation that lot clearing matters most.
How Shiro compares
Shiro ranks lower within Texas (50th percentile statewide) than its 76th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Shiro ranks 7,484 for wildfire risk (1 is highest) and 24,750 by building count (1 is largest). Within Texas alone, it ranks 901 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
Shiro's high rating (76th 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
Because Direct exposure dominates in Shiro (62.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Shiro's figures come from
Shiro's 76th-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 Shiro's dominant direct exposure actually means, with real examples from across the dataset.