Terrell, TX
Terrell, TX's wildfire risk, in USFS's own numbers
Terrell sits at the 75th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 7,204 counted buildings, not vegetation cover alone. (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 at the 75th percentile, close to its 75th-percentile risk score.
Where Terrell's buildings actually sit
Most of Terrell's buildings (64.8%) 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. At 7,204 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Terrell ranks
Inside Texas, Terrell sits at just the 47th percentile even though it scores 75th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Terrell ranks 7,830 for wildfire risk (1 is highest) and 2,380 by building count (1 is largest). Within Texas alone, it ranks 957 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
Terrell's high rating (75th 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
Because 64.8% of Terrell's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Terrell's figures come from
Every one of the two percentiles behind Terrell's 7,830-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Terrell's dominant indirect exposure actually means, with real examples from across the dataset.