Spade, TX
Spade wildfire risk explained
Spade's 75 buildings earn a 87th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Spade's burn probability — fire likelihood with no building count factored in — sits at the 85th percentile nationally.
Where Spade's buildings actually sit
Direct exposure dominates in Spade: 52% of its 75 buildings, versus 48% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Spade against the rest of the country
Spade's risk sits at a similar level relative to Texas (77th percentile statewide) as it does nationally (87th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Spade ranks 4,205 for wildfire risk (1 is highest) and 30,110 by building count (1 is largest). Within Texas alone, it ranks 406 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
Spade's very high rating (87th 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
With 52% of Spade in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 75 counted buildings into the percentiles shown above for Spade. For more on what direct exposure implies beyond Spade, see the exposure-zones guide.