Star Harbor, TX
Star Harbor wildfire risk explained
USFS scores Star Harbor at the 73rd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 406 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Star Harbor at the 75th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of Star Harbor's buildings (48.8%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Star Harbor against the rest of the country
Inside Texas, Star Harbor sits at just the 40th 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, Star Harbor ranks 8,429 for wildfire risk (1 is highest) and 19,109 by building count (1 is largest). Within Texas alone, it ranks 1,073 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Star Harbor
At the 73rd percentile nationally, Star Harbor carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Star Harbor (48.8% 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
Star Harbor's 73rd-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 Star Harbor, see the exposure-zones guide.