Gardner, FL
Gardner, FL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Gardner at the 95th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 367 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Gardner's burn probability — fire likelihood with no building count factored in — sits at the 96th percentile nationally.
What "at risk" means for the buildings here
367 buildings are counted in Gardner, and 51.8% of them are Indirect exposure — ember-driven risk rather than the 48.2% in Direct exposure or the 0% rated Minimal.
Where Gardner ranks
There's little gap between Gardner's 95th national percentile and its 91st percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Gardner ranks 1,724 for wildfire risk (1 is highest) and 19,922 by building count (1 is largest). Within Florida alone, it ranks 83 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Gardner and the insurance market
Gardner's very high rating (95th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Gardner (51.8% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 367 counted buildings into the percentiles shown above for Gardner. For more on what indirect exposure implies beyond Gardner, see the exposure-zones guide.