Garber, OK
How exposed is Garber to wildfire?
USFS's Wildfire Risk to Communities model puts Garber at the 39th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 627 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Garber at the 35th percentile, close to its 39th-percentile risk score.
Garber's building exposure, zone by zone
Only 4.6% of Garber's 627 buildings carry Direct exposure and 0% carry Indirect; the remaining 95.4% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Garber compares
Garber ranks lower within Oklahoma (2nd percentile statewide) than its 39th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Garber ranks 19,143 for wildfire risk (1 is highest) and 15,484 by building count (1 is largest). Within Oklahoma alone, it ranks 814 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Shopping for coverage in Garber
Garber's moderate rating (39th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Even with 95.4% of Garber outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Garber's figures come from
Every one of the two percentiles behind Garber's 19,143-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Garber's dominant minimal exposure actually means, with real examples from across the dataset.