Central Gardens, TX
Central Gardens, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Central Gardens at the 83rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 2,480 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Central Gardens's burn probability — fire likelihood with no building count factored in — sits at the 79th percentile nationally.
Central Gardens's building exposure, zone by zone
97.7% of Central Gardens's 2,480 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 1.5% Direct and 0.8% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Central Gardens against the rest of the country
There's little gap between Central Gardens's 83rd national percentile and its 68th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Central Gardens ranks 5,464 for wildfire risk (1 is highest) and 6,339 by building count (1 is largest). Within Texas alone, it ranks 572 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
Central Gardens's 83rd-percentile, very 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
With ember exposure the dominant pattern in Central Gardens (97.7% 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
The methodology guide shows exactly how USFS turned 2,480 counted buildings into the percentiles shown above for Central Gardens. For more on what indirect exposure implies beyond Central Gardens, see the exposure-zones guide.