Tom Bean, TX
Tom Bean, TX's wildfire risk, in USFS's own numbers
Tom Bean's 546 buildings earn a 74th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Tom Bean at the 73rd percentile, close to its 74th-percentile risk score.
What "at risk" means for the buildings here
Of Tom Bean's 546 counted buildings, 57.5% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Tom Bean against the rest of the country
Tom Bean's 74th national percentile looks worse in isolation than its 44th ranking inside Texas does — this place is on the milder end for its own state, by 31 points. Among the 31,521 US communities USFS scores, Tom Bean ranks 8,179 for wildfire risk (1 is highest) and 16,625 by building count (1 is largest). Within Texas alone, it ranks 1,021 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Tom Bean and the insurance market
Tom Bean's high rating (74th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Because Direct exposure dominates in Tom Bean (57.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Tom Bean's figures come from
Tom Bean's 74th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Tom Bean's dominant direct exposure actually means, with real examples from across the dataset.