La Paloma Ranchettes, TX
How exposed is La Paloma Ranchettes to wildfire?
USFS scores La Paloma Ranchettes at the 93rd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 154 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks La Paloma Ranchettes at the 94th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where La Paloma Ranchettes's buildings actually sit
Of La Paloma Ranchettes's 154 counted buildings, 91.6% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where La Paloma Ranchettes ranks
La Paloma Ranchettes's risk sits at a similar level relative to Texas (91st percentile statewide) as it does nationally (93rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, La Paloma Ranchettes ranks 2,220 for wildfire risk (1 is highest) and 26,727 by building count (1 is largest). Within Texas alone, it ranks 162 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in La Paloma Ranchettes
La Paloma Ranchettes's 93rd-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
La Paloma Ranchettes's 91.6% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where La Paloma Ranchettes's figures come from
Every one of the two percentiles behind La Paloma Ranchettes's 2,220-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what La Paloma Ranchettes's dominant direct exposure actually means, with real examples from across the dataset.