Warren City, TX
Warren City, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Warren City at the 71st national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 221 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 Warren City at the 71st percentile, close to its 71st-percentile risk score.
What "at risk" means for the buildings here
Of Warren City's 221 counted buildings, 65.2% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Warren City ranks
Warren City's 71st national percentile looks worse in isolation than its 33rd ranking inside Texas does — this place is on the milder end for its own state, by 38 points. Among the 31,521 US communities USFS scores, Warren City ranks 9,249 for wildfire risk (1 is highest) and 24,102 by building count (1 is largest). Within Texas alone, it ranks 1,206 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
Warren City's 71st-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.
Lowering exposure, not just insuring around it
Warren City's 65.2% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Warren City's figures come from
Warren City's 71st-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 Warren City's dominant direct exposure actually means, with real examples from across the dataset.