Union Valley, TX
Union Valley, TX's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Union Valley lands at the 76th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 319 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Union Valley's burn probability — fire likelihood with no building count factored in — sits at the 76th percentile nationally.
Where Union Valley's buildings actually sit
USFS classifies 98.4% of Union Valley's buildings as Direct exposure, higher than its 1.6% Indirect share and far above its 0% Minimal share — a profile where 314 structures sit close enough to vegetation that lot clearing matters most.
Union Valley against the rest of the country
Union Valley ranks lower within Texas (48th percentile statewide) than its 76th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Union Valley ranks 7,737 for wildfire risk (1 is highest) and 21,133 by building count (1 is largest). Within Texas alone, it ranks 943 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Union Valley and the insurance market
At the 76th percentile nationally, Union Valley carries the 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
Because Direct exposure dominates in Union Valley (98.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Union Valley's figures come from
Union Valley's 76th-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 Union Valley's dominant direct exposure actually means, with real examples from across the dataset.