The Colony, TX
The Colony, TX's wildfire risk, in USFS's own numbers
The Colony sits at the 57th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 13,500 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, The Colony's burn probability — fire likelihood with no building count factored in — sits at the 58th percentile nationally.
Where The Colony's buildings actually sit
USFS classifies 95.8% of The Colony's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 3.1% Direct and 1.1% Indirect — a landscape-level risk rather than a building-by-building one. At 13,500 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where The Colony ranks
Inside Texas, The Colony sits at just the 11th percentile even though it scores 57th 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, The Colony ranks 13,566 for wildfire risk (1 is highest) and 1,120 by building count (1 is largest). Within Texas alone, it ranks 1,592 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
The Colony's elevated rating (57th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
The Colony's 95.8% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where The Colony's figures come from
Every one of the two percentiles behind The Colony's 13,566-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what The Colony's dominant minimal exposure actually means, with real examples from across the dataset.