Wolfe City, TX
Wolfe City wildfire risk explained
Wolfe City sits at the 73rd 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 881 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Wolfe City at the 73rd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Wolfe City's building exposure, zone by zone
USFS puts 61.4% of Wolfe City's 881 buildings in the Indirect exposure zone, versus 38.6% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Wolfe City ranks
Inside Texas, Wolfe City sits at just the 39th percentile even though it scores 73rd 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, Wolfe City ranks 8,525 for wildfire risk (1 is highest) and 12,907 by building count (1 is largest). Within Texas alone, it ranks 1,095 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
Wolfe City's high rating (73rd 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.
What would actually reduce this score
Wolfe City's 61.4% 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.
Where Wolfe City's figures come from
The methodology guide shows exactly how USFS turned 881 counted buildings into the percentiles shown above for Wolfe City. The exposure-zones guide covers what Wolfe City's dominant indirect exposure actually means, with real examples from across the dataset.