Topaz Ranch Estates, NV
Topaz Ranch Estates wildfire risk explained
USFS's Wildfire Risk to Communities model puts Topaz Ranch Estates at the 98th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 1,475 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 Topaz Ranch Estates at the 98th percentile, close to its 98th-percentile risk score.
What "at risk" means for the buildings here
53.6% of Topaz Ranch Estates's 1,475 buildings sit in USFS's Direct exposure zone, roughly 791 structures close enough to burnable vegetation for flame contact, not just embers — 46.4% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Topaz Ranch Estates ranks
Inside Nevada, Topaz Ranch Estates sits at just the 80th percentile even though it scores 98th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Topaz Ranch Estates ranks 633 for wildfire risk (1 is highest) and 9,283 by building count (1 is largest). Within Nevada alone, it ranks 26 of 123 places by risk. See the full county-by-county picture for Nevada on its state page.
Topaz Ranch Estates and the insurance market
At the 98th percentile nationally, Topaz Ranch Estates 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.
Lowering exposure, not just insuring around it
With 53.6% of Topaz Ranch Estates in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Topaz Ranch Estates's 633-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Topaz Ranch Estates, see the exposure-zones guide.