Tivoli, TX
Tivoli, TX's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Tivoli lands at the 86th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 338 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Tivoli at the 87th percentile, close to its 86th-percentile risk score.
What "at risk" means for the buildings here
Indirect exposure is dominant in Tivoli (51.2% of 338 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 48.8% sit in the Direct zone.
Where Tivoli ranks
Tivoli scores 86th nationally and 76th 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, Tivoli ranks 4,396 for wildfire risk (1 is highest) and 20,647 by building count (1 is largest). Within Texas alone, it ranks 438 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Tivoli
Tivoli's 86th-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.
Lowering exposure, not just insuring around it
Tivoli's 51.2% 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 Tivoli's figures come from
Every one of the two percentiles behind Tivoli's 4,396-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Tivoli's dominant indirect exposure actually means, with real examples from across the dataset.