Paloma Creek South, TX
Paloma Creek South, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Paloma Creek South at the 62nd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 3,036 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Paloma Creek South at the 63rd percentile, close to its 62nd-percentile risk score.
Where Paloma Creek South's buildings actually sit
3,036 buildings are counted in Paloma Creek South, and 93.7% of them are Indirect exposure — ember-driven risk rather than the 6.3% in Direct exposure or the 0% rated Minimal.
How Paloma Creek South compares
Inside Texas, Paloma Creek South sits at just the 16th percentile even though it scores 62nd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Paloma Creek South ranks 12,114 for wildfire risk (1 is highest) and 5,379 by building count (1 is largest). Within Texas alone, it ranks 1,506 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
Paloma Creek South's high rating (62nd 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.
Hardening a home in Paloma Creek South
With ember exposure the dominant pattern in Paloma Creek South (93.7% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Paloma Creek South's 62nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Paloma Creek South, see the exposure-zones guide.