Penitas, TX
Penitas, TX's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Penitas lands at the 82nd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 2,625 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Penitas's burn probability — fire likelihood with no building count factored in — sits at the 82nd percentile nationally.
What "at risk" means for the buildings here
USFS classifies 55.4% of Penitas's buildings as Direct exposure, higher than its 36.3% Indirect share and far above its 8.3% Minimal share — a profile where 1,455 structures sit close enough to vegetation that lot clearing matters most.
Where Penitas ranks
Inside Texas, Penitas sits at just the 66th percentile even though it scores 82nd 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, Penitas ranks 5,655 for wildfire risk (1 is highest) and 6,060 by building count (1 is largest). Within Texas alone, it ranks 603 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Penitas
At the 82nd percentile nationally, Penitas carries the very 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
Penitas's 55.4% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Penitas's 5,655-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Penitas, see the exposure-zones guide.