Campbell, TX
How exposed is Campbell to wildfire?
USFS scores Campbell at the 75th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 483 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Campbell at the 75th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
84.3% of Campbell's 483 buildings sit in USFS's Direct exposure zone, roughly 407 structures close enough to burnable vegetation for flame contact, not just embers — 15.7% fall in the Indirect, ember-only zone and 0% are Minimal.
How Campbell compares
Inside Texas, Campbell sits at just the 46th percentile even though it scores 75th 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, Campbell ranks 7,889 for wildfire risk (1 is highest) and 17,657 by building count (1 is largest). Within Texas alone, it ranks 963 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Campbell and the insurance market
Campbell's 75th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
With 84.3% of Campbell 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 Campbell's figures come from
Every one of the two percentiles behind Campbell's 7,889-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Campbell's dominant direct exposure actually means, with real examples from across the dataset.