Stamford, TX
Stamford wildfire risk explained
USFS scores Stamford at the 92nd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 2,357 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Stamford's burn probability — fire likelihood with no building count factored in — sits at the 92nd percentile nationally.
Where Stamford's buildings actually sit
2,357 buildings are counted in Stamford, and 64.7% of them are Indirect exposure — ember-driven risk rather than the 15.6% in Direct exposure or the 19.6% rated Minimal.
Stamford against the rest of the country
There's little gap between Stamford's 92nd national percentile and its 90th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Stamford ranks 2,409 for wildfire risk (1 is highest) and 6,593 by building count (1 is largest). Within Texas alone, it ranks 183 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
Stamford's 92nd-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
With ember exposure the dominant pattern in Stamford (64.7% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Stamford's 92nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Stamford, see the exposure-zones guide.