Paloma Creek, TX
Paloma Creek wildfire risk explained
Paloma Creek 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 1,023 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Paloma Creek's burn probability — fire likelihood with no building count factored in — sits at the 64th percentile nationally.
Paloma Creek's building exposure, zone by zone
USFS puts 89.1% of Paloma Creek's 1,023 buildings in the Indirect exposure zone, versus 10.9% Direct and 0.1% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Paloma Creek compares
Paloma Creek ranks lower within Texas (18th 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, Paloma Creek ranks 11,676 for wildfire risk (1 is highest) and 11,781 by building count (1 is largest). Within Texas alone, it ranks 1,466 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Paloma Creek and the insurance market
At the 63rd percentile nationally, Paloma Creek 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
With ember exposure the dominant pattern in Paloma Creek (89.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Paloma Creek's figures come from
The methodology guide shows exactly how USFS turned 1,023 counted buildings into the percentiles shown above for Paloma Creek. The exposure-zones guide covers what Paloma Creek's dominant indirect exposure actually means, with real examples from across the dataset.