Zarate, TX
Zarate, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Zarate at the 93rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 30 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Zarate at the 94th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Zarate's building exposure, zone by zone
Of Zarate's 30 counted buildings, 100% 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.
Where Zarate ranks
Zarate's risk sits at a similar level relative to Texas (92nd percentile statewide) as it does nationally (93rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Zarate ranks 2,155 for wildfire risk (1 is highest) and 31,367 by building count (1 is largest). Within Texas alone, it ranks 154 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Zarate
Zarate's very high rating (93rd 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
Because Direct exposure dominates in Zarate (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Zarate's figures come from
The methodology guide shows exactly how USFS turned 30 counted buildings into the percentiles shown above for Zarate. The exposure-zones guide covers what Zarate's dominant direct exposure actually means, with real examples from across the dataset.