Wortham, TX
Wortham wildfire risk explained
USFS scores Wortham at the 83rd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 720 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Wortham at the 84th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Wortham's buildings actually sit
USFS puts 57.1% of Wortham's 720 buildings in the Indirect exposure zone, versus 42.9% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Wortham ranks
Wortham's risk sits at a similar level relative to Texas (70th percentile statewide) as it does nationally (83rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Wortham ranks 5,311 for wildfire risk (1 is highest) and 14,460 by building count (1 is largest). Within Texas alone, it ranks 549 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
Wortham's 83rd-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.
What would actually reduce this score
Because 57.1% of Wortham's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Wortham's figures come from
Every one of the two percentiles behind Wortham's 5,311-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Wortham's dominant indirect exposure actually means, with real examples from across the dataset.