Gardnerville, NV
How exposed is Gardnerville to wildfire?
Out of every US place USFS scores, Gardnerville lands at the 90th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 2,693 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Gardnerville's burn probability — fire likelihood with no building count factored in — sits at the 90th percentile nationally.
Where Gardnerville's buildings actually sit
91.7% of Gardnerville's 2,693 buildings sit in USFS's Minimal exposure zone, with only 5.1% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Gardnerville compares
Gardnerville's 90th national percentile looks worse in isolation than its 46th ranking inside Nevada does — this place is on the milder end for its own state, by 44 points. Among the 31,521 US communities USFS scores, Gardnerville ranks 3,282 for wildfire risk (1 is highest) and 5,942 by building count (1 is largest). Within Nevada alone, it ranks 67 of 123 places by risk. See the full county-by-county picture for Nevada on its state page.
Shopping for coverage in Gardnerville
Gardnerville's very high rating (90th 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 91.7% of buildings rated Minimal exposure, Gardnerville 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
Gardnerville's 90th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Gardnerville, see the exposure-zones guide.