Smithville, TX
How exposed is Smithville to wildfire?
Out of every US place USFS scores, Smithville lands at the 71st percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 2,437 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Smithville's burn probability — fire likelihood with no building count factored in — sits at the 73rd percentile nationally.
Where Smithville's buildings actually sit
2,437 buildings are counted in Smithville, and 76.6% of them are Indirect exposure — ember-driven risk rather than the 23.4% in Direct exposure or the 0% rated Minimal.
Where Smithville ranks
Smithville ranks lower within Texas (34th percentile statewide) than its 71st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Smithville ranks 9,123 for wildfire risk (1 is highest) and 6,426 by building count (1 is largest). Within Texas alone, it ranks 1,189 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Smithville and the insurance market
At the 71st percentile nationally, Smithville 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.
Lowering exposure, not just insuring around it
Smithville's 76.6% 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 Smithville's figures come from
Every one of the two percentiles behind Smithville's 9,123-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Smithville's dominant indirect exposure actually means, with real examples from across the dataset.