Three Rivers, TX
Three Rivers wildfire risk explained
Three Rivers sits at the 77th 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 1,354 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Three Rivers's burn probability — fire likelihood with no building count factored in — sits at the 77th percentile nationally.
Where Three Rivers's buildings actually sit
Indirect exposure is dominant in Three Rivers (94.5% of 1,354 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 5.5% sit in the Direct zone.
Three Rivers against the rest of the country
Three Rivers's 77th national percentile looks worse in isolation than its 52nd ranking inside Texas does — this place is on the milder end for its own state, by 25 points. Among the 31,521 US communities USFS scores, Three Rivers ranks 7,325 for wildfire risk (1 is highest) and 9,815 by building count (1 is largest). Within Texas alone, it ranks 867 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Three Rivers and the insurance market
At the 77th percentile nationally, Three Rivers carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Three Rivers
Three Rivers's 94.5% 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.
More on how this number was built
Three Rivers's 77th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Three Rivers, see the exposure-zones guide.