Stinnett, TX
Stinnett, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Stinnett at the 100th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 1,393 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 Stinnett at the 100th percentile, close to its 100th-percentile risk score.
Stinnett's building exposure, zone by zone
1,393 buildings are counted in Stinnett, and 82.3% of them are Indirect exposure — ember-driven risk rather than the 17.7% in Direct exposure or the 0% rated Minimal.
Where Stinnett ranks
Stinnett scores 100th nationally and 100th 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, Stinnett ranks 170 for wildfire risk (1 is highest) and 9,664 by building count (1 is largest). Within Texas alone, it ranks 5 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
Stinnett's very high rating (100th 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.
Hardening a home in Stinnett
Because 82.3% of Stinnett'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.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,393 counted buildings into the percentiles shown above for Stinnett. For more on what indirect exposure implies beyond Stinnett, see the exposure-zones guide.