White Deer, TX
How exposed is White Deer to wildfire?
USFS scores White Deer at the 91st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 861 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts White Deer at the 90th percentile, close to its 91st-percentile risk score.
What "at risk" means for the buildings here
Most of White Deer's buildings (75.5%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How White Deer compares
White Deer scores 91st nationally and 85th within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, White Deer ranks 2,940 for wildfire risk (1 is highest) and 13,075 by building count (1 is largest). Within Texas alone, it ranks 265 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
At the 91st percentile nationally, White Deer 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.
Hardening a home in White Deer
With ember exposure the dominant pattern in White Deer (75.5% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where White Deer's figures come from
White Deer's 91st-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 White Deer's dominant indirect exposure actually means, with real examples from across the dataset.