Moderate wildfire risk · 38/100
Hutchinson County, TX Fire Insurance
Hutchinson County carries a moderate wildfire risk rating (38/100). 11 wildfires have been recorded within 25 miles since 2000 — the closest, the Bugbee Creek (2011), just 13.1 miles away. Coverage is generally available, but a single bad season can reclassify the area — locking in now protects your rate. Here's what coverage costs, who still writes here, and how to lock it in.
See Hutchinson County coverage options →Hutchinson County's wildfire risk profile
38/100
FireRisk score
Moderate
Risk band
38
Neighborhood range
11
Fires within 25 mi (since 2000)
What this means for you
- The 38/100 score rates this area's wildfire exposure from 0 (minimal) to 100 (extreme). Insurers use similar models to decide whether to offer a policy and what to charge — a score in this range usually means coverage stays available and competitively priced.
- “Moderate” is the band that score falls into. Coverage is usually available, but one severe season can push the area into a higher band.
- The neighborhood range is how much risk varies street to street. Risk is fairly consistent across this area, though your specific lot still matters.
- 11 fires within 25 miles since 2000 is the area's recent track record. Underwriters treat a longer nearby fire history as higher risk for the whole ZIP — not only the homes that actually burned.
The closest federally recorded wildfire is the Bugbee Creek (2011), about 13.1 miles away. Insurers weigh this proximity heavily — risk varies street by street, so see the full Hutchinson County risk report or check your exact address.
What moderate risk means for your coverage
Coverage is generally available, but a single bad season can reclassify the area — locking in now protects your rate. Texas has a large, competitive home-insurance market, but wildfire exposure is tightening underwriting in the Hill Country and Panhandle — especially after the 2024 Smokehouse Creek Fire, the largest in state history, and the 2011 Bastrop Complex.
What fire insurance costs in Hutchinson County
Wildfire-exposed Texas homes and ranch properties face higher premiums and stricter underwriting in high-hazard areas; grass-fuel management and defensible space increasingly matter.
~$790/yr in mitigation-linked discounts and credits may be available to Hutchinson County homeowners who harden and document their home.
Texas FAIR Plan Association — the backstop
The Texas FAIR Plan provides basic residential coverage for homeowners declined by the standard market. (Coastal wind/hail is handled separately by TWIA.) How FAIR Plans work →
Moderate risk today. Fire season is getting longer every year.
Risk classifications can change after a single bad fire season. Lock in favorable rates now, before your ZIP is reclassified.
What happens if you wait
High-risk homeowners have faced steep rate increases in recent years. Non-standard market policies — when you can find them — often cost substantially more.
Insurers have filed hundreds of thousands of non-renewals in fire-risk areas in recent years. Notices typically arrive ~60 days before expiration.
IBHS-certified homes may qualify for premium reductions with participating carriers. Discounts vary by carrier, state, and property.
Research suggests homes with elevated fire risk can sell below comparable homes, as buyers price in insurance cost. Individual results vary.
See your options before rates change.
We match Texas homeowners with licensed agents who write moderate-risk wildfire homes. Start with your email — we’ll send your comparison and, if you want, connect you with an agent. Free, no obligation.
$790/yr — typical savings when Texas homeowners compare carriers.
Go deeper on Hutchinson County
See the full wildfire-risk breakdown, or compare insurance in nearby Texas areas.
Hutchinson County wildfire risk report →Hutchinson County fire insurance FAQ
Is it hard to get fire insurance in Hutchinson County, TX?
Hutchinson County carries a moderate wildfire risk rating (38/100 on FireRisk's federal-data model). Coverage is generally available, but a single bad season can reclassify the area — locking in now protects your rate. 11 wildfires have been federally recorded within 25 miles since 2000, the closest being the Bugbee Creek (2011), 13.1 miles away.
How much does fire insurance cost in Hutchinson County?
Wildfire-exposed Texas homes and ranch properties face higher premiums and stricter underwriting in high-hazard areas; grass-fuel management and defensible space increasingly matter. A moderate-risk Hutchinson County home sits in the more affordable range of that spread. Your exact premium depends on construction, rebuild cost, and documented mitigation — homeowners here may access roughly $790/yr in mitigation-linked discounts and credits.
Does the Texas FAIR Plan Association cover Hutchinson County?
The Texas FAIR Plan provides basic residential coverage for homeowners declined by the standard market. (Coastal wind/hail is handled separately by TWIA.) It applies statewide, so Hutchinson County homeowners declined by admitted carriers can use it as a backstop.
Can I lower my Hutchinson County fire insurance premium?
Yes. Document defensible space, harden the home (Class-A roof, ember-resistant vents, Zone 0 clearance), and pursue IBHS "Wildfire Prepared Home" certification — these unlock 5–25% discounts with participating carriers and can be the difference between a "yes" and a non-renewal.
Texas fire insurance guide →
Statewide market, FAIR Plan, non-renewal playbook, and every discount available.
Been non-renewed? →
Your rights and the step-by-step path back to coverage after a non-renewal.
FireRisk scores are modeled from federal wildfire data for orientation and are not an insurance rating, an offer of coverage, or a guarantee of price or eligibility. Cost and savings figures are estimates that vary by home, carrier, and year. Verify all coverage with licensed carriers and confirm current programs with your state Department of Insurance. FireRisk.ai is independent; we may be compensated when you request quotes through a partner.