Ranchos Penitas West, TX
Ranchos Penitas West wildfire risk explained
Ranchos Penitas West sits at the 71st 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 408 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ranchos Penitas West's burn probability — fire likelihood with no building count factored in — sits at the 67th percentile nationally.
Where Ranchos Penitas West's buildings actually sit
Direct exposure dominates in Ranchos Penitas West: 100% of its 408 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Ranchos Penitas West ranks
Ranchos Penitas West ranks lower within Texas (33rd percentile statewide) than its 71st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Ranchos Penitas West ranks 9,280 for wildfire risk (1 is highest) and 19,074 by building count (1 is largest). Within Texas alone, it ranks 1,212 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
Ranchos Penitas West's high rating (71st 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 Ranchos Penitas West
With 100% of Ranchos Penitas West in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Ranchos Penitas West's figures come from
The methodology guide shows exactly how USFS turned 408 counted buildings into the percentiles shown above for Ranchos Penitas West. The exposure-zones guide covers what Ranchos Penitas West's dominant direct exposure actually means, with real examples from across the dataset.