Whitharral, TX
Whitharral wildfire risk explained
USFS's Wildfire Risk to Communities model puts Whitharral at the 70th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 137 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Whitharral's burn probability — fire likelihood with no building count factored in — sits at the 68th percentile nationally.
What "at risk" means for the buildings here
Only 38% of Whitharral's 137 buildings carry Direct exposure and 1.5% carry Indirect; the remaining 60.6% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Whitharral ranks
Whitharral ranks lower within Texas (32nd percentile statewide) than its 70th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Whitharral ranks 9,374 for wildfire risk (1 is highest) and 27,421 by building count (1 is largest). Within Texas alone, it ranks 1,230 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
Whitharral's high rating (70th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
With 60.6% of buildings rated Minimal exposure, Whitharral gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Whitharral's figures come from
Every one of the two percentiles behind Whitharral's 9,374-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Whitharral's dominant minimal exposure actually means, with real examples from across the dataset.