Guthrie, TX
How exposed is Guthrie to wildfire?
USFS scores Guthrie at the 94th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 164 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Guthrie at the 92nd percentile, close to its 94th-percentile risk score.
Guthrie's building exposure, zone by zone
71.3% of Guthrie's 164 buildings sit in USFS's Direct exposure zone, roughly 117 structures close enough to burnable vegetation for flame contact, not just embers — 28.7% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Guthrie ranks
Guthrie's risk sits at a similar level relative to Texas (93rd percentile statewide) as it does nationally (94th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Guthrie ranks 1,996 for wildfire risk (1 is highest) and 26,267 by building count (1 is largest). Within Texas alone, it ranks 129 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 94th percentile nationally, Guthrie 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Guthrie (71.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Guthrie's 1,996-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Guthrie, see the exposure-zones guide.