Troy, TX
Troy wildfire risk explained
Troy sits at the 77th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,052 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Troy's burn probability — fire likelihood with no building count factored in — sits at the 73rd percentile nationally.
Where Troy's buildings actually sit
Most of Troy's buildings (57.4%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Troy against the rest of the country
Inside Texas, Troy sits at just the 53rd percentile even though it scores 77th 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, Troy ranks 7,199 for wildfire risk (1 is highest) and 11,585 by building count (1 is largest). Within Texas alone, it ranks 842 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Troy
Troy's 77th-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.
Hardening a home in Troy
With ember exposure the dominant pattern in Troy (57.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Troy's figures come from
Troy's 77th-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 Troy's dominant indirect exposure actually means, with real examples from across the dataset.