South La Paloma, TX
South La Paloma, TX's wildfire risk, in USFS's own numbers
South La Paloma's 262 buildings earn a 77th-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks South La Paloma at the 78th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Direct exposure dominates in South La Paloma: 100% of its 262 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
South La Paloma against the rest of the country
Inside Texas, South La Paloma sits at just the 53rd percentile even though it scores 77th 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, South La Paloma ranks 7,198 for wildfire risk (1 is highest) and 22,791 by building count (1 is largest). Within Texas alone, it ranks 841 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
South La Paloma's 77th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
South La Paloma'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 South La Paloma's 7,198-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond South La Paloma, see the exposure-zones guide.