Texhoma, TX
Texhoma wildfire risk explained
Out of every US place USFS scores, Texhoma lands at the 97th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 275 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 Texhoma at the 97th percentile, close to its 97th-percentile risk score.
Where Texhoma's buildings actually sit
275 buildings are counted in Texhoma, and 65.5% of them are Indirect exposure — ember-driven risk rather than the 34.6% in Direct exposure or the 0% rated Minimal.
How Texhoma compares
There's little gap between Texhoma's 97th national percentile and its 97th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Texhoma ranks 1,113 for wildfire risk (1 is highest) and 22,375 by building count (1 is largest). Within Texas alone, it ranks 54 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
Texhoma's very high rating (97th 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 65.5% of Texhoma'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 Texhoma's figures come from
Texhoma's 97th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Texhoma's dominant indirect exposure actually means, with real examples from across the dataset.