The Hills, TX
The Hills wildfire risk explained
USFS scores The Hills at the 66th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 1,076 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks The Hills at the 62nd national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of The Hills's buildings (79.3%) 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.
The Hills against the rest of the country
Inside Texas, The Hills sits at just the 22nd percentile even though it scores 66th 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 Hills ranks 10,793 for wildfire risk (1 is highest) and 11,428 by building count (1 is largest). Within Texas alone, it ranks 1,394 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 Hills's high rating (66th 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
The Hills's 79.3% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where The Hills's figures come from
Every one of the two percentiles behind The Hills's 10,793-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what The Hills's dominant indirect exposure actually means, with real examples from across the dataset.