Windom, TX
How exposed is Windom to wildfire?
Windom sits at the 76th 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 204 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Windom at the 76th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Windom's buildings actually sit
USFS puts 51% of Windom's 204 buildings in the Indirect exposure zone, versus 49% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Windom ranks
Inside Texas, Windom sits at just the 49th percentile even though it scores 76th 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, Windom ranks 7,612 for wildfire risk (1 is highest) and 24,709 by building count (1 is largest). Within Texas alone, it ranks 919 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Windom and the insurance market
Windom's 76th-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
Windom's 51% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Windom's 76th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Windom, see the exposure-zones guide.