Wellman, TX
How exposed is Wellman to wildfire?
Wellman sits at the 78th 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 178 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Wellman at the 74th percentile, close to its 78th-percentile risk score.
Wellman's building exposure, zone by zone
Direct exposure dominates in Wellman: 51.1% of its 178 buildings, versus 47.8% Indirect and 1.1% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Wellman against the rest of the country
Inside Texas, Wellman sits at just the 56th percentile even though it scores 78th 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, Wellman ranks 6,915 for wildfire risk (1 is highest) and 25,730 by building count (1 is largest). Within Texas alone, it ranks 794 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Wellman
Wellman's 78th-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.
What would actually reduce this score
Because Direct exposure dominates in Wellman (51.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Wellman's figures come from
Every one of the two percentiles behind Wellman's 6,915-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Wellman's dominant direct exposure actually means, with real examples from across the dataset.