Paducah, TX
Paducah wildfire risk explained
Paducah's 1,068 buildings earn a 86th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Paducah's burn probability — fire likelihood with no building count factored in — sits at the 83rd percentile nationally.
Where Paducah's buildings actually sit
USFS puts 82.1% of Paducah's 1,068 buildings in the Indirect exposure zone, versus 17.9% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Paducah compares
Paducah scores 86th nationally and 75th within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Paducah ranks 4,457 for wildfire risk (1 is highest) and 11,474 by building count (1 is largest). Within Texas alone, it ranks 445 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Paducah and the insurance market
Paducah's very high rating (86th 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
With ember exposure the dominant pattern in Paducah (82.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Paducah's figures come from
The methodology guide shows exactly how USFS turned 1,068 counted buildings into the percentiles shown above for Paducah. The exposure-zones guide covers what Paducah's dominant indirect exposure actually means, with real examples from across the dataset.