Stephenville, TX
Stephenville, TX's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Stephenville lands at the 93rd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 7,644 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Stephenville's burn probability — fire likelihood with no building count factored in — sits at the 93rd percentile nationally.
Where Stephenville's buildings actually sit
Indirect exposure is dominant in Stephenville (76.6% of 7,644 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 23.4% sit in the Direct zone. At 7,644 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Stephenville compares
Stephenville scores 93rd nationally and 92nd within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Stephenville ranks 2,120 for wildfire risk (1 is highest) and 2,232 by building count (1 is largest). Within Texas alone, it ranks 148 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Stephenville
Stephenville's very high rating (93rd 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
Because 76.6% of Stephenville's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Stephenville's figures come from
The methodology guide shows exactly how USFS turned 7,644 counted buildings into the percentiles shown above for Stephenville. The exposure-zones guide covers what Stephenville's dominant indirect exposure actually means, with real examples from across the dataset.