Timbercreek Canyon, TX
Timbercreek Canyon wildfire risk explained
USFS scores Timbercreek Canyon at the 98th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 311 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Timbercreek Canyon's burn probability — fire likelihood with no building count factored in — sits at the 98th percentile nationally.
Where Timbercreek Canyon's buildings actually sit
311 buildings are counted in Timbercreek Canyon, and 89.4% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Timbercreek Canyon against the rest of the country
Timbercreek Canyon scores 98th nationally and 98th within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Timbercreek Canyon ranks 772 for wildfire risk (1 is highest) and 21,358 by building count (1 is largest). Within Texas alone, it ranks 34 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
Timbercreek Canyon's 98th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Because Direct exposure dominates in Timbercreek Canyon (89.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Timbercreek Canyon's figures come from
The methodology guide shows exactly how USFS turned 311 counted buildings into the percentiles shown above for Timbercreek Canyon. The exposure-zones guide covers what Timbercreek Canyon's dominant direct exposure actually means, with real examples from across the dataset.