Whitney, TX
Whitney, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Whitney at the 90th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 1,169 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Whitney's burn probability — fire likelihood with no building count factored in — sits at the 89th percentile nationally.
What "at risk" means for the buildings here
USFS puts 68.8% of Whitney's 1,169 buildings in the Indirect exposure zone, versus 31.2% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Whitney against the rest of the country
Whitney's risk sits at a similar level relative to Texas (83rd percentile statewide) as it does nationally (90th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Whitney ranks 3,292 for wildfire risk (1 is highest) and 10,840 by building count (1 is largest). Within Texas alone, it ranks 306 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Whitney and the insurance market
Whitney's very high rating (90th 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
Because 68.8% of Whitney's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Whitney's figures come from
The methodology guide shows exactly how USFS turned 1,169 counted buildings into the percentiles shown above for Whitney. The exposure-zones guide covers what Whitney's dominant indirect exposure actually means, with real examples from across the dataset.