Gallatin, TX
Gallatin, TX's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Gallatin at the 80th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 298 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Gallatin at the 82nd national percentile — 2 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
USFS classifies 90.6% of Gallatin's buildings as Direct exposure, higher than its 9.4% Indirect share and far above its 0% Minimal share — a profile where 270 structures sit close enough to vegetation that lot clearing matters most.
How Gallatin compares
Gallatin's 80th national percentile looks worse in isolation than its 60th ranking inside Texas does — this place is on the milder end for its own state, by 20 points. Among the 31,521 US communities USFS scores, Gallatin ranks 6,444 for wildfire risk (1 is highest) and 21,693 by building count (1 is largest). Within Texas alone, it ranks 715 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Gallatin
Gallatin's high rating (80th 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.
Lowering exposure, not just insuring around it
With 90.6% of Gallatin 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.
More on how this number was built
Every one of the two percentiles behind Gallatin's 6,444-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Gallatin, see the exposure-zones guide.