Toco, TX
How exposed is Toco to wildfire?
USFS's Wildfire Risk to Communities model puts Toco at the 79th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 41 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Toco at the 81st percentile, close to its 79th-percentile risk score.
Toco's building exposure, zone by zone
41 buildings are counted in Toco, and 100% 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.
Where Toco ranks
Toco's 79th national percentile looks worse in isolation than its 60th ranking inside Texas does — this place is on the milder end for its own state, by 20 points. Among the 31,521 US communities USFS scores, Toco ranks 6,507 for wildfire risk (1 is highest) and 31,156 by building count (1 is largest). Within Texas alone, it ranks 728 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
Toco's 79th-percentile, 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 Toco (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Toco's 79th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Toco, see the exposure-zones guide.