Victoria, TX
Victoria, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Victoria at the 81st national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 26,863 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Victoria's burn probability — fire likelihood with no building count factored in — sits at the 85th percentile nationally.
Victoria's building exposure, zone by zone
44.7% of Victoria's 26,863 buildings sit in USFS's Minimal exposure zone, with only 11.2% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 26,863 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Victoria against the rest of the country
Victoria's 81st national percentile looks worse in isolation than its 64th ranking inside Texas does — this place is on the milder end for its own state, by 17 points. Among the 31,521 US communities USFS scores, Victoria ranks 6,002 for wildfire risk (1 is highest) and 460 by building count (1 is largest). Within Texas alone, it ranks 653 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Victoria
At the 81st percentile nationally, Victoria 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
Victoria's 44.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 26,863 counted buildings into the percentiles shown above for Victoria. For more on what minimal exposure implies beyond Victoria, see the exposure-zones guide.