Penelope, TX
Penelope, TX's wildfire risk, in USFS's own numbers
Penelope's 194 buildings earn a 67th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Penelope at the 65th percentile, close to its 67th-percentile risk score.
Penelope's building exposure, zone by zone
USFS classifies 59.8% of Penelope's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 40.2% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Penelope ranks
Penelope ranks lower within Texas (24th percentile statewide) than its 67th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Penelope ranks 10,508 for wildfire risk (1 is highest) and 25,102 by building count (1 is largest). Within Texas alone, it ranks 1,365 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 67th percentile nationally, Penelope 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.
Hardening a home in Penelope
Penelope's 59.8% 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.
More on how this number was built
Penelope's 67th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Penelope, see the exposure-zones guide.