Garden City, MO
Garden City wildfire risk explained
Out of every US place USFS scores, Garden City lands at the 48th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 902 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 48th percentile nationally.
Garden City's building exposure, zone by zone
Garden City rates 72.5% Minimal exposure against just 27.5% Direct and 0% Indirect — of 902 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Garden City against the rest of the country
Garden City's 48th national percentile looks worse in isolation than its 29th ranking inside Missouri does — this place is on the milder end for its own state, by 19 points. Among the 31,521 US communities USFS scores, Garden City ranks 16,457 for wildfire risk (1 is highest) and 12,704 by building count (1 is largest). Within Missouri alone, it ranks 757 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
What this risk score means for insurance
Garden City's elevated rating (48th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Garden City
With 72.5% of buildings rated Minimal exposure, Garden City gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Garden City's 16,457-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Garden City, see the exposure-zones guide.