La Paloma-Lost Creek, TX
How exposed is La Paloma-Lost Creek to wildfire?
USFS's Wildfire Risk to Communities model puts La Paloma-Lost Creek at the 13th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 322 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 La Paloma-Lost Creek at the 13th percentile, close to its 13th-percentile risk score.
Where La Paloma-Lost Creek's buildings actually sit
USFS classifies 71.4% of La Paloma-Lost Creek's buildings as Direct exposure, higher than its 0% Indirect share and far above its 28.6% Minimal share — a profile where 230 structures sit close enough to vegetation that lot clearing matters most.
La Paloma-Lost Creek against the rest of the country
There's little gap between La Paloma-Lost Creek's 13th national percentile and its 1st percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, La Paloma-Lost Creek ranks 27,342 for wildfire risk (1 is highest) and 21,048 by building count (1 is largest). Within Texas alone, it ranks 1,784 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
At the 13th national percentile, La Paloma-Lost Creek rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in La Paloma-Lost Creek (71.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where La Paloma-Lost Creek's figures come from
Every one of the two percentiles behind La Paloma-Lost Creek's 27,342-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what La Paloma-Lost Creek's dominant direct exposure actually means, with real examples from across the dataset.