Zapata, TX
How exposed is Zapata to wildfire?
USFS scores Zapata at the 84th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 3,079 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Zapata's burn probability — fire likelihood with no building count factored in — sits at the 82nd percentile nationally.
Where Zapata's buildings actually sit
3,079 buildings are counted in Zapata, and 80.5% of them are Indirect exposure — ember-driven risk rather than the 19.3% in Direct exposure or the 0.2% rated Minimal.
Where Zapata ranks
Zapata's risk sits at a similar level relative to Texas (72nd percentile statewide) as it does nationally (84th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Zapata ranks 4,932 for wildfire risk (1 is highest) and 5,315 by building count (1 is largest). Within Texas alone, it ranks 503 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Zapata and the insurance market
At the 84th percentile nationally, Zapata carries the very 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
Zapata's 80.5% 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
The methodology guide shows exactly how USFS turned 3,079 counted buildings into the percentiles shown above for Zapata. For more on what indirect exposure implies beyond Zapata, see the exposure-zones guide.