Garden City, GA
How exposed is Garden City to wildfire?
USFS's Wildfire Risk to Communities model puts Garden City at the 74th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 5,342 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Garden City's burn probability — fire likelihood with no building count factored in — sits at the 67th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 54.7% of Garden City's buildings as Direct exposure, higher than its 44% Indirect share and far above its 1.3% Minimal share — a profile where 2,923 structures sit close enough to vegetation that lot clearing matters most. At 5,342 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Garden City ranks
Garden City scores 74th nationally and 78th within Georgia — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Garden City ranks 8,348 for wildfire risk (1 is highest) and 3,229 by building count (1 is largest). Within Georgia alone, it ranks 151 of 669 places by risk. See the full county-by-county picture for Georgia on its state page.
What this risk score means for insurance
Garden City's high rating (74th 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
Garden City's 54.7% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Garden City's figures come from
Every one of the two percentiles behind Garden City's 8,348-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Garden City's dominant direct exposure actually means, with real examples from across the dataset.