Stafford, TX
Stafford wildfire risk explained
Out of every US place USFS scores, Stafford lands at the 36th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 5,331 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Stafford at the 39th percentile, close to its 36th-percentile risk score.
Where Stafford's buildings actually sit
98.6% of Stafford's 5,331 buildings sit in USFS's Minimal exposure zone, with only 1.4% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 5,331 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Stafford against the rest of the country
Stafford's 36th national percentile looks worse in isolation than its 3rd ranking inside Texas does — this place is on the milder end for its own state, by 33 points. Among the 31,521 US communities USFS scores, Stafford ranks 20,218 for wildfire risk (1 is highest) and 3,241 by building count (1 is largest). Within Texas alone, it ranks 1,742 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
Stafford's moderate rating (36th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 98.6% of buildings rated Minimal exposure, Stafford gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Stafford's 20,218-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Stafford, see the exposure-zones guide.