Somerville, TX
How exposed is Somerville to wildfire?
Somerville sits at the 66th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 937 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Somerville at the 67th percentile, close to its 66th-percentile risk score.
Where Somerville's buildings actually sit
937 buildings are counted in Somerville, and 72.9% of them are Indirect exposure — ember-driven risk rather than the 27.1% in Direct exposure or the 0% rated Minimal.
Where Somerville ranks
Somerville's 66th national percentile looks worse in isolation than its 22nd ranking inside Texas does — this place is on the milder end for its own state, by 44 points. Among the 31,521 US communities USFS scores, Somerville ranks 10,885 for wildfire risk (1 is highest) and 12,417 by building count (1 is largest). Within Texas alone, it ranks 1,404 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
Somerville's high rating (66th 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.
Lowering exposure, not just insuring around it
Because 72.9% of Somerville'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 Somerville's figures come from
Every one of the two percentiles behind Somerville's 10,885-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Somerville's dominant indirect exposure actually means, with real examples from across the dataset.