Stowell, TX
How exposed is Stowell to wildfire?
Stowell's 1,183 buildings earn a 88th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Stowell at the 92nd national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Stowell's building exposure, zone by zone
Direct exposure dominates in Stowell: 66.7% of its 1,183 buildings, versus 33.3% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Stowell compares
Stowell's risk sits at a similar level relative to Texas (81st percentile statewide) as it does nationally (88th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Stowell ranks 3,668 for wildfire risk (1 is highest) and 10,751 by building count (1 is largest). Within Texas alone, it ranks 343 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Stowell
At the 88th percentile nationally, Stowell carries the very 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.
Hardening a home in Stowell
Stowell's 66.7% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Stowell's 88th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Stowell, see the exposure-zones guide.