Spearman, TX
Spearman, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Spearman at the 70th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 2,083 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Spearman's burn probability — fire likelihood with no building count factored in — sits at the 67th percentile nationally.
Spearman's building exposure, zone by zone
Most of Spearman's buildings (91.7% of 2,083) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Spearman ranks
Spearman ranks lower within Texas (31st percentile statewide) than its 70th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Spearman ranks 9,406 for wildfire risk (1 is highest) and 7,243 by building count (1 is largest). Within Texas alone, it ranks 1,239 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
Spearman's 70th-percentile, 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.
What would actually reduce this score
Even with 91.7% of Spearman outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Spearman's 70th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Spearman, see the exposure-zones guide.