Garden City, ID
Garden City wildfire risk explained
Garden City sits at the 80th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 5,996 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Garden City at the 81st national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Garden City's buildings actually sit
Garden City rates 82% Minimal exposure against just 12.7% Direct and 5.3% Indirect — of 5,996 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 5,996 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Garden City compares
Garden City ranks lower within Idaho (47th percentile statewide) than its 80th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Garden City ranks 6,175 for wildfire risk (1 is highest) and 2,876 by building count (1 is largest). Within Idaho alone, it ranks 123 of 232 places by risk. See the full county-by-county picture for Idaho on its state page.
What this risk score means for insurance
At the 80th percentile nationally, Garden City carries the very 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
Garden City's 82% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 5,996 counted buildings into the percentiles shown above for Garden City. For more on what minimal exposure implies beyond Garden City, see the exposure-zones guide.