Carthage, TX
Carthage, TX's wildfire risk, in USFS's own numbers
USFS scores Carthage at the 66th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 3,781 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Carthage's burn probability — fire likelihood with no building count factored in — sits at the 67th percentile nationally.
Where Carthage's buildings actually sit
USFS puts 50.2% of Carthage's 3,781 buildings in the Indirect exposure zone, versus 24.6% Direct and 25.2% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Carthage compares
Inside Texas, Carthage sits at just the 23rd percentile even though it scores 66th 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, Carthage ranks 10,788 for wildfire risk (1 is highest) and 4,444 by building count (1 is largest). Within Texas alone, it ranks 1,389 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
Carthage's high rating (66th 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.
Hardening a home in Carthage
Carthage's 50.2% 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.
Where Carthage's figures come from
The methodology guide shows exactly how USFS turned 3,781 counted buildings into the percentiles shown above for Carthage. The exposure-zones guide covers what Carthage's dominant indirect exposure actually means, with real examples from across the dataset.