La Paloma, TX
How exposed is La Paloma to wildfire?
La Paloma sits at the 63rd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,072 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks La Paloma at the 65th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where La Paloma's buildings actually sit
Most of La Paloma's buildings (57.7% of 1,072) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where La Paloma ranks
La Paloma ranks lower within Texas (19th percentile statewide) than its 63rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, La Paloma ranks 11,581 for wildfire risk (1 is highest) and 11,454 by building count (1 is largest). Within Texas alone, it ranks 1,459 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
La Paloma and the insurance market
La Paloma's high rating (63rd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Even with 57.7% of La Paloma outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
La Paloma's 63rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond La Paloma, see the exposure-zones guide.