Woodcreek, TX
Woodcreek wildfire risk explained
USFS's Wildfire Risk to Communities model puts Woodcreek at the 76th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 833 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Woodcreek's burn probability — fire likelihood with no building count factored in — sits at the 75th percentile nationally.
Where Woodcreek's buildings actually sit
Of Woodcreek's 833 counted buildings, 90.9% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Woodcreek compares
Inside Texas, Woodcreek sits at just the 50th 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, Woodcreek ranks 7,453 for wildfire risk (1 is highest) and 13,322 by building count (1 is largest). Within Texas alone, it ranks 897 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 76th percentile nationally, Woodcreek carries the 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.
Lowering exposure, not just insuring around it
Woodcreek's 90.9% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Woodcreek's figures come from
Woodcreek's 76th-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 Woodcreek's dominant direct exposure actually means, with real examples from across the dataset.