Goldsmith, TX
How exposed is Goldsmith to wildfire?
Goldsmith sits at the 76th 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 335 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Goldsmith at the 85th national percentile — 9 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
67.2% of Goldsmith's 335 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 32.8% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Goldsmith against the rest of the country
Inside Texas, Goldsmith sits at just the 50th percentile even though it scores 76th 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, Goldsmith ranks 7,513 for wildfire risk (1 is highest) and 20,710 by building count (1 is largest). Within Texas alone, it ranks 902 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
At the 76th percentile nationally, Goldsmith 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.
Hardening a home in Goldsmith
Goldsmith's 67.2% 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 Goldsmith's figures come from
The methodology guide shows exactly how USFS turned 335 counted buildings into the percentiles shown above for Goldsmith. The exposure-zones guide covers what Goldsmith's dominant indirect exposure actually means, with real examples from across the dataset.