Somerset, TX
Somerset, TX's wildfire risk, in USFS's own numbers
USFS scores Somerset at the 79th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 897 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 Somerset at the 79th percentile, close to its 79th-percentile risk score.
What "at risk" means for the buildings here
59.1% of Somerset's 897 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 40.9% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Somerset against the rest of the country
Somerset ranks lower within Texas (57th percentile statewide) than its 79th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Somerset ranks 6,790 for wildfire risk (1 is highest) and 12,757 by building count (1 is largest). Within Texas alone, it ranks 766 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
Somerset's high rating (79th 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 59.1% of Somerset's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Somerset's figures come from
The methodology guide shows exactly how USFS turned 897 counted buildings into the percentiles shown above for Somerset. The exposure-zones guide covers what Somerset's dominant indirect exposure actually means, with real examples from across the dataset.