Farmersville, TX
Farmersville wildfire risk explained
Farmersville sits at the 75th 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 1,753 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Farmersville at the 74th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS puts 71% of Farmersville's 1,753 buildings in the Indirect exposure zone, versus 28.9% Direct and 0.1% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Farmersville ranks
Farmersville's 75th national percentile looks worse in isolation than its 46th ranking inside Texas does — this place is on the milder end for its own state, by 29 points. Among the 31,521 US communities USFS scores, Farmersville ranks 7,891 for wildfire risk (1 is highest) and 8,215 by building count (1 is largest). Within Texas alone, it ranks 965 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Farmersville and the insurance market
At the 75th percentile nationally, Farmersville 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
Because 71% of Farmersville's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Farmersville's figures come from
The methodology guide shows exactly how USFS turned 1,753 counted buildings into the percentiles shown above for Farmersville. The exposure-zones guide covers what Farmersville's dominant indirect exposure actually means, with real examples from across the dataset.