South Toledo Bend, TX
How exposed is South Toledo Bend to wildfire?
USFS's Wildfire Risk to Communities model puts South Toledo Bend at the 73rd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 883 actual buildings. (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 Toledo Bend at the 75th percentile, close to its 73rd-percentile risk score.
South Toledo Bend's building exposure, zone by zone
Direct exposure dominates in South Toledo Bend: 85.4% of its 883 buildings, versus 4.9% Indirect and 9.7% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
South Toledo Bend against the rest of the country
Inside Texas, South Toledo Bend sits at just the 39th percentile even though it scores 73rd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, South Toledo Bend ranks 8,553 for wildfire risk (1 is highest) and 12,882 by building count (1 is largest). Within Texas alone, it ranks 1,100 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
South Toledo Bend and the insurance market
South Toledo Bend'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.
Lowering exposure, not just insuring around it
South Toledo Bend's 85.4% 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.
More on how this number was built
Every one of the two percentiles behind South Toledo Bend's 8,553-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond South Toledo Bend, see the exposure-zones guide.