Garden City, TX
How exposed is Garden City to wildfire?
Garden City sits at the 90th 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 410 counted buildings, not vegetation cover alone. (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 92nd percentile nationally.
Garden City's building exposure, zone by zone
51% of Garden City's 410 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 49% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Garden City compares
Garden City scores 90th nationally and 84th within Texas — 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 3,196 for wildfire risk (1 is highest) and 19,038 by building count (1 is largest). Within Texas alone, it ranks 295 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Garden City
At the 90th 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 51% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Garden City's 3,196-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Garden City, see the exposure-zones guide.