Placedo, TX
Placedo wildfire risk explained
Placedo's 373 buildings earn a 60th-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.)
Separately from the risk score above, Placedo's burn probability — fire likelihood with no building count factored in — sits at the 63rd percentile nationally.
Placedo's building exposure, zone by zone
USFS puts 69.2% of Placedo's 373 buildings in the Indirect exposure zone, versus 30.8% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Placedo ranks
Placedo ranks lower within Texas (15th percentile statewide) than its 60th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Placedo ranks 12,496 for wildfire risk (1 is highest) and 19,814 by building count (1 is largest). Within Texas alone, it ranks 1,535 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 60th percentile nationally, Placedo 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 Placedo (69.2% 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
Every one of the two percentiles behind Placedo's 12,496-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Placedo, see the exposure-zones guide.