Zapata Ranch, TX
How exposed is Zapata Ranch to wildfire?
Out of every US place USFS scores, Zapata Ranch lands at the 11th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 69 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Zapata Ranch at the 11th percentile, close to its 11th-percentile risk score.
What "at risk" means for the buildings here
Of Zapata Ranch's 69 counted buildings, 73.9% carry Direct exposure and only 26.1% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Zapata Ranch against the rest of the country
There's little gap between Zapata Ranch's 11th national percentile and its 0th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Zapata Ranch ranks 27,941 for wildfire risk (1 is highest) and 30,338 by building count (1 is largest). Within Texas alone, it ranks 1,788 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
Zapata Ranch's low wildfire rating (11th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Zapata Ranch
Zapata Ranch's 73.9% 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 Zapata Ranch's figures come from
The methodology guide shows exactly how USFS turned 69 counted buildings into the percentiles shown above for Zapata Ranch. The exposure-zones guide covers what Zapata Ranch's dominant direct exposure actually means, with real examples from across the dataset.