St. Paul (Collin), TX
How exposed is St. Paul (Collin) to wildfire?
Out of every US place USFS scores, St. Paul (Collin) lands at the 63rd percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 639 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks St. Paul (Collin) at the 62nd national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
St. Paul (Collin)'s building exposure, zone by zone
Most of St. Paul (Collin)'s buildings (55.9% of 639) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where St. Paul (Collin) ranks
St. Paul (Collin)'s 63rd national percentile looks worse in isolation than its 18th ranking inside Texas does — this place is on the milder end for its own state, by 45 points. Among the 31,521 US communities USFS scores, St. Paul (Collin) ranks 11,738 for wildfire risk (1 is highest) and 15,350 by building count (1 is largest). Within Texas alone, it ranks 1,470 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
St. Paul (Collin)'s high rating (63rd 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.
What would actually reduce this score
With 55.9% of buildings rated Minimal exposure, St. Paul (Collin) gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind St. Paul (Collin)'s 11,738-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond St. Paul (Collin), see the exposure-zones guide.