Zavalla, TX
Zavalla, TX's wildfire risk, in USFS's own numbers
Zavalla sits at the 77th 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 485 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Zavalla's burn probability — fire likelihood with no building count factored in — sits at the 77th percentile nationally.
Zavalla's building exposure, zone by zone
Direct exposure dominates in Zavalla: 73.6% of its 485 buildings, versus 26.4% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Zavalla compares
Zavalla ranks lower within Texas (51st percentile statewide) than its 77th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Zavalla ranks 7,423 for wildfire risk (1 is highest) and 17,623 by building count (1 is largest). Within Texas alone, it ranks 890 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Zavalla and the insurance market
At the 77th percentile nationally, Zavalla 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
With 73.6% of Zavalla in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Zavalla's figures come from
The methodology guide shows exactly how USFS turned 485 counted buildings into the percentiles shown above for Zavalla. The exposure-zones guide covers what Zavalla's dominant direct exposure actually means, with real examples from across the dataset.