Odem, TX
How exposed is Odem to wildfire?
USFS's Wildfire Risk to Communities model puts Odem at the 78th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 1,053 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Odem's burn probability — fire likelihood with no building count factored in — sits at the 79th percentile nationally.
Odem's building exposure, zone by zone
1,053 buildings are counted in Odem, and 91.9% of them are Indirect exposure — ember-driven risk rather than the 7.9% in Direct exposure or the 0.2% rated Minimal.
Odem against the rest of the country
Inside Texas, Odem sits at just the 56th percentile even though it scores 78th 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, Odem ranks 6,886 for wildfire risk (1 is highest) and 11,581 by building count (1 is largest). Within Texas alone, it ranks 786 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Odem
Odem's 78th-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.
Lowering exposure, not just insuring around it
Odem's 91.9% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,053 counted buildings into the percentiles shown above for Odem. For more on what indirect exposure implies beyond Odem, see the exposure-zones guide.