Goldthwaite, TX
How exposed is Goldthwaite to wildfire?
Goldthwaite's 1,438 buildings earn a 89th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Goldthwaite's burn probability — fire likelihood with no building count factored in — sits at the 88th percentile nationally.
Where Goldthwaite's buildings actually sit
68.9% of Goldthwaite's 1,438 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 31.2% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Goldthwaite ranks
Goldthwaite scores 89th nationally and 81st within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Goldthwaite ranks 3,638 for wildfire risk (1 is highest) and 9,444 by building count (1 is largest). Within Texas alone, it ranks 337 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Goldthwaite and the insurance market
At the 89th percentile nationally, Goldthwaite carries the very 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.
What would actually reduce this score
With ember exposure the dominant pattern in Goldthwaite (68.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Goldthwaite's 3,638-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Goldthwaite, see the exposure-zones guide.