Tolar, TX
Tolar wildfire risk explained
USFS's Wildfire Risk to Communities model puts Tolar at the 96th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 507 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 Tolar at the 96th percentile, close to its 96th-percentile risk score.
Tolar's building exposure, zone by zone
58.6% of Tolar's 507 buildings sit in USFS's Direct exposure zone, roughly 297 structures close enough to burnable vegetation for flame contact, not just embers — 41.4% fall in the Indirect, ember-only zone and 0% are Minimal.
Tolar against the rest of the country
There's little gap between Tolar's 96th national percentile and its 97th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Tolar ranks 1,143 for wildfire risk (1 is highest) and 17,232 by building count (1 is largest). Within Texas alone, it ranks 56 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 96th percentile nationally, Tolar carries the very 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.
What would actually reduce this score
Because Direct exposure dominates in Tolar (58.6%), 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
Tolar's 96th-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 Tolar, see the exposure-zones guide.