Tierra Verde, TX
How exposed is Tierra Verde to wildfire?
USFS scores Tierra Verde at the 14th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 164 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Tierra Verde at the 16th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Direct exposure dominates in Tierra Verde: 73.2% of its 164 buildings, versus 0% Indirect and 26.8% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Tierra Verde against the rest of the country
There's little gap between Tierra Verde's 14th national percentile and its 1st percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Tierra Verde ranks 27,023 for wildfire risk (1 is highest) and 26,268 by building count (1 is largest). Within Texas alone, it ranks 1,782 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
At the 14th national percentile, Tierra Verde rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Tierra Verde
Tierra Verde's 73.2% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Tierra Verde's figures come from
The methodology guide shows exactly how USFS turned 164 counted buildings into the percentiles shown above for Tierra Verde. The exposure-zones guide covers what Tierra Verde's dominant direct exposure actually means, with real examples from across the dataset.