Terrell Hills, TX
Terrell Hills, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Terrell Hills at the 56th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 2,717 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 Terrell Hills at the 60th percentile, close to its 56th-percentile risk score.
Terrell Hills's building exposure, zone by zone
USFS classifies 80.9% of Terrell Hills's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 19.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Terrell Hills ranks
Terrell Hills ranks lower within Texas (11th percentile statewide) than its 56th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Terrell Hills ranks 13,881 for wildfire risk (1 is highest) and 5,902 by building count (1 is largest). Within Texas alone, it ranks 1,607 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
At the 56th national percentile, Terrell Hills rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Terrell Hills
Even with 80.9% of Terrell Hills outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Terrell Hills's 56th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Terrell Hills, see the exposure-zones guide.