Springtown, TX
Springtown wildfire risk explained
USFS's Wildfire Risk to Communities model puts Springtown at the 92nd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 1,614 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Springtown at the 92nd percentile, close to its 92nd-percentile risk score.
Springtown's building exposure, zone by zone
1,614 buildings are counted in Springtown, and 58.9% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 5.5% rated Minimal.
How Springtown compares
Springtown's risk sits at a similar level relative to Texas (89th percentile statewide) as it does nationally (92nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Springtown ranks 2,565 for wildfire risk (1 is highest) and 8,717 by building count (1 is largest). Within Texas alone, it ranks 198 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
Springtown's 92nd-percentile, very 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
Because Direct exposure dominates in Springtown (58.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Springtown's figures come from
The methodology guide shows exactly how USFS turned 1,614 counted buildings into the percentiles shown above for Springtown. The exposure-zones guide covers what Springtown's dominant direct exposure actually means, with real examples from across the dataset.