Ganado, TX
Ganado wildfire risk explained
USFS scores Ganado at the 66th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 1,053 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Ganado at the 68th percentile, close to its 66th-percentile risk score.
What "at risk" means for the buildings here
Most of Ganado's buildings (68.7%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Ganado compares
Ganado's 66th national percentile looks worse in isolation than its 22nd ranking inside Texas does — this place is on the milder end for its own state, by 44 points. Among the 31,521 US communities USFS scores, Ganado ranks 10,883 for wildfire risk (1 is highest) and 11,580 by building count (1 is largest). Within Texas alone, it ranks 1,402 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
At the 66th percentile nationally, Ganado carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Because 68.7% of Ganado's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Ganado's 66th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Ganado, see the exposure-zones guide.