Steiner Ranch, TX
Steiner Ranch wildfire risk explained
USFS's Wildfire Risk to Communities model puts Steiner Ranch at the 81st national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 4,593 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Steiner Ranch at the 79th percentile, close to its 81st-percentile risk score.
Where Steiner Ranch's buildings actually sit
USFS puts 71.3% of Steiner Ranch's 4,593 buildings in the Indirect exposure zone, versus 28.6% Direct and 0.1% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Steiner Ranch against the rest of the country
Inside Texas, Steiner Ranch sits at just the 63rd percentile even though it scores 81st 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, Steiner Ranch ranks 6,131 for wildfire risk (1 is highest) and 3,711 by building count (1 is largest). Within Texas alone, it ranks 675 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Steiner Ranch
Steiner Ranch's very high rating (81st 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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Steiner Ranch (71.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Steiner Ranch's figures come from
Steiner Ranch's 81st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Steiner Ranch's dominant indirect exposure actually means, with real examples from across the dataset.