Stratford, TX
Stratford, TX's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Stratford lands at the 92nd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 1,241 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Stratford at the 92nd percentile, close to its 92nd-percentile risk score.
Stratford's building exposure, zone by zone
87.3% of Stratford's 1,241 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 12.7% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Stratford compares
Stratford's risk sits at a similar level relative to Texas (89th percentile statewide) as it does nationally (92nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Stratford ranks 2,504 for wildfire risk (1 is highest) and 10,403 by building count (1 is largest). Within Texas alone, it ranks 193 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
Stratford's very high rating (92nd 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
Stratford's 87.3% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Stratford's 92nd-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 Stratford, see the exposure-zones guide.