Talco, TX
Talco, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Talco at the 80th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 380 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Talco at the 83rd national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
89% of Talco's 380 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 11.1% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Talco compares
Talco ranks lower within Texas (60th percentile statewide) than its 80th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Talco ranks 6,477 for wildfire risk (1 is highest) and 19,659 by building count (1 is largest). Within Texas alone, it ranks 723 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Talco and the insurance market
Talco's 80th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Talco (89% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 380 counted buildings into the percentiles shown above for Talco. For more on what indirect exposure implies beyond Talco, see the exposure-zones guide.