Plum, TX
How exposed is Plum to wildfire?
Out of every US place USFS scores, Plum lands at the 65th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 330 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Plum at the 66th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Plum's building exposure, zone by zone
USFS classifies 100% of Plum's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 330 structures sit close enough to vegetation that lot clearing matters most.
How Plum compares
Plum ranks lower within Texas (20th percentile statewide) than its 65th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Plum ranks 11,172 for wildfire risk (1 is highest) and 20,834 by building count (1 is largest). Within Texas alone, it ranks 1,428 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
Plum's high rating (65th 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 Plum
Plum's 100% 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 Plum's 11,172-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Plum, see the exposure-zones guide.