Shelbyville, TX
Shelbyville, TX's wildfire risk, in USFS's own numbers
USFS scores Shelbyville at the 62nd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 125 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Shelbyville at the 63rd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Shelbyville's building exposure, zone by zone
Direct exposure dominates in Shelbyville: 63.2% of its 125 buildings, versus 36.8% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Shelbyville ranks
Shelbyville ranks lower within Texas (16th percentile statewide) than its 62nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Shelbyville ranks 12,081 for wildfire risk (1 is highest) and 27,966 by building count (1 is largest). Within Texas alone, it ranks 1,502 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shelbyville and the insurance market
Shelbyville's 62nd-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.
Hardening a home in Shelbyville
Shelbyville's 63.2% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 125 counted buildings into the percentiles shown above for Shelbyville. For more on what direct exposure implies beyond Shelbyville, see the exposure-zones guide.