South Fork Estates, TX
South Fork Estates, TX's wildfire risk, in USFS's own numbers
USFS scores South Fork Estates at the 88th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 119 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 South Fork Estates at the 87th percentile, close to its 88th-percentile risk score.
Where South Fork Estates's buildings actually sit
100% of South Fork Estates's 119 buildings sit in USFS's Direct exposure zone, roughly 119 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
South Fork Estates against the rest of the country
South Fork Estates scores 88th nationally and 80th within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, South Fork Estates ranks 3,797 for wildfire risk (1 is highest) and 28,221 by building count (1 is largest). Within Texas alone, it ranks 359 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in South Fork Estates
South Fork Estates's 88th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
South Fork Estates's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where South Fork Estates's figures come from
Every one of the two percentiles behind South Fork Estates's 3,797-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what South Fork Estates's dominant direct exposure actually means, with real examples from across the dataset.