Palmhurst, TX
How exposed is Palmhurst to wildfire?
USFS scores Palmhurst at the 73rd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 1,599 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Palmhurst's burn probability — fire likelihood with no building count factored in — sits at the 75th percentile nationally.
What "at risk" means for the buildings here
Most of Palmhurst's buildings (52.1% of 1,599) 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.
Palmhurst against the rest of the country
Palmhurst ranks lower within Texas (40th percentile statewide) than its 73rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Palmhurst ranks 8,491 for wildfire risk (1 is highest) and 8,772 by building count (1 is largest). Within Texas alone, it ranks 1,085 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Palmhurst and the insurance market
Palmhurst's high rating (73rd 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 52.1% of Palmhurst 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
The methodology guide shows exactly how USFS turned 1,599 counted buildings into the percentiles shown above for Palmhurst. For more on what minimal exposure implies beyond Palmhurst, see the exposure-zones guide.