Garden City, UT
How exposed is Garden City to wildfire?
Garden City's 1,480 buildings earn a 91st-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Garden City at the 88th percentile, close to its 91st-percentile risk score.
Garden City's building exposure, zone by zone
1,480 buildings are counted in Garden City, and 74.9% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0.7% rated Minimal.
Garden City against the rest of the country
Garden City's 91st national percentile looks worse in isolation than its 60th ranking inside Utah does — this place is on the milder end for its own state, by 31 points. Among the 31,521 US communities USFS scores, Garden City ranks 2,912 for wildfire risk (1 is highest) and 9,253 by building count (1 is largest). Within Utah alone, it ranks 132 of 326 places by risk. See the full county-by-county picture for Utah on its state page.
Shopping for coverage in Garden City
Garden City's 91st-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Because Direct exposure dominates in Garden City (74.9%), 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
Garden City's 91st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Garden City, see the exposure-zones guide.