Centerville, TX
Centerville wildfire risk explained
Centerville sits at the 67th 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 722 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Centerville at the 69th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Centerville's buildings actually sit
Indirect exposure is dominant in Centerville (74.8% of 722 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 25.2% sit in the Direct zone.
How Centerville compares
Centerville's 67th national percentile looks worse in isolation than its 25th ranking inside Texas does — this place is on the milder end for its own state, by 42 points. Among the 31,521 US communities USFS scores, Centerville ranks 10,290 for wildfire risk (1 is highest) and 14,431 by building count (1 is largest). Within Texas alone, it ranks 1,343 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
Centerville's 67th-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.
What would actually reduce this score
Centerville's 74.8% 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 Centerville's figures come from
The methodology guide shows exactly how USFS turned 722 counted buildings into the percentiles shown above for Centerville. The exposure-zones guide covers what Centerville's dominant indirect exposure actually means, with real examples from across the dataset.