Texas City, TX
Texas City wildfire risk explained
Out of every US place USFS scores, Texas City lands at the 85th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 23,648 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 Texas City at the 86th percentile, close to its 85th-percentile risk score.
What "at risk" means for the buildings here
Most of Texas City's buildings (72.5% of 23,648) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 23,648 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Texas City ranks
There's little gap between Texas City's 85th national percentile and its 72nd percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Texas City ranks 4,866 for wildfire risk (1 is highest) and 547 by building count (1 is largest). Within Texas alone, it ranks 496 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Texas City
Texas City's 85th-percentile, very 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.
Hardening a home in Texas City
Even with 72.5% of Texas City 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.
Where Texas City's figures come from
The methodology guide shows exactly how USFS turned 23,648 counted buildings into the percentiles shown above for Texas City. The exposure-zones guide covers what Texas City's dominant minimal exposure actually means, with real examples from across the dataset.