Webster, TX
How exposed is Webster to wildfire?
Webster's 2,300 buildings earn a 63rd-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Webster's burn probability — fire likelihood with no building count factored in — sits at the 66th percentile nationally.
Webster's building exposure, zone by zone
USFS classifies 95.4% of Webster's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 4.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Webster compares
Webster's 63rd national percentile looks worse in isolation than its 18th ranking inside Texas does — this place is on the milder end for its own state, by 45 points. Among the 31,521 US communities USFS scores, Webster ranks 11,836 for wildfire risk (1 is highest) and 6,698 by building count (1 is largest). Within Texas alone, it ranks 1,479 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
Webster's 63rd-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 Webster
Webster's 95.4% 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
Every one of the two percentiles behind Webster's 11,836-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Webster, see the exposure-zones guide.