An adaptive Intra-refresh (IR) technique for digital video encoding adjusts IR rate based on video content, or a combination of video content and channel condition. The IR rate may be applied at the frame level or macroblock (MB) level. At the frame level, the IR rate specifies the percentage of MBs to be Intra-coded within the frame. At the MB level, the IR rate defines a statistical probability that a particular MB is to be Intra-coded. The IR rate is adjusted in proportion to a combined metric that weighs estimated channel loss probability, frame-to-frame variation, and texture information. The IR rate can be determined using a close-form solution that requires relatively low implementation complexity. For example, such a close-form does not require iteration or an exhaustive search. In addition, the IR rate can be determined from parameters that are available before motion estimation and compensation are performed.