Palm Valley, TX
Palm Valley, TX's wildfire risk, in USFS's own numbers
Palm Valley sits at the 60th 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 556 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Palm Valley at the 63rd percentile, close to its 60th-percentile risk score.
Where Palm Valley's buildings actually sit
Palm Valley rates 84.7% Minimal exposure against just 15.3% Direct and 0% Indirect — of 556 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Palm Valley ranks
Palm Valley's 60th national percentile looks worse in isolation than its 14th ranking inside Texas does — this place is on the milder end for its own state, by 46 points. Among the 31,521 US communities USFS scores, Palm Valley ranks 12,529 for wildfire risk (1 is highest) and 16,487 by building count (1 is largest). Within Texas alone, it ranks 1,537 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 60th percentile nationally, Palm Valley carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Palm Valley's 84.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Palm Valley's figures come from
Palm Valley's 60th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Palm Valley's dominant minimal exposure actually means, with real examples from across the dataset.