Talty, TX
Talty wildfire risk explained
USFS's Wildfire Risk to Communities model puts Talty at the 73rd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 1,025 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Talty's burn probability — fire likelihood with no building count factored in — sits at the 72nd percentile nationally.
Talty's building exposure, zone by zone
Most of Talty's buildings (55.1%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Talty compares
Talty ranks lower within Texas (38th percentile statewide) than its 73rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Talty ranks 8,651 for wildfire risk (1 is highest) and 11,763 by building count (1 is largest). Within Texas alone, it ranks 1,111 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Talty
At the 73rd percentile nationally, Talty carries the 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.
What would actually reduce this score
Talty's 55.1% 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
Talty's 73rd-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 Talty, see the exposure-zones guide.