Garden City, MN
Garden City, MN's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Garden City lands at the 19th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 209 buildings, not the land around them. (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 16th percentile nationally.
Where Garden City's buildings actually sit
Of Garden City's 209 counted buildings, 72.3% carry Direct exposure and only 27.8% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Garden City against the rest of the country
Garden City's risk sits at a similar level relative to Minnesota (22nd percentile statewide) as it does nationally (19th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Garden City ranks 25,627 for wildfire risk (1 is highest) and 24,515 by building count (1 is largest). Within Minnesota alone, it ranks 714 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Garden City and the insurance market
Garden City's low wildfire rating (19th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Garden City
Because Direct exposure dominates in Garden City (72.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 209 counted buildings into the percentiles shown above for Garden City. For more on what direct exposure implies beyond Garden City, see the exposure-zones guide.