Tow, TX
Tow, TX's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Tow lands at the 83rd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 375 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Tow's burn probability — fire likelihood with no building count factored in — sits at the 82nd percentile nationally.
Where Tow's buildings actually sit
375 buildings are counted in Tow, and 87.2% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 6.4% rated Minimal.
How Tow compares
Tow scores 83rd nationally and 70th 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, Tow ranks 5,248 for wildfire risk (1 is highest) and 19,771 by building count (1 is largest). Within Texas alone, it ranks 539 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
Tow's very high rating (83rd 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.
Lowering exposure, not just insuring around it
With 87.2% of Tow 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
Tow's 83rd-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 Tow, see the exposure-zones guide.