Garfield, KS
Garfield wildfire risk explained
USFS's Wildfire Risk to Communities model puts Garfield at the 84th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 194 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Garfield at the 76th percentile, close to its 84th-percentile risk score.
Where Garfield's buildings actually sit
194 buildings are counted in Garfield, and 80.4% of them are Indirect exposure — ember-driven risk rather than the 19.6% in Direct exposure or the 0% rated Minimal.
How Garfield compares
There's little gap between Garfield's 84th national percentile and its 82nd percentile inside Kansas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Garfield ranks 5,199 for wildfire risk (1 is highest) and 25,072 by building count (1 is largest). Within Kansas alone, it ranks 129 of 721 places by risk. See the full county-by-county picture for Kansas on its state page.
Garfield and the insurance market
At the 84th percentile nationally, Garfield 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.
What would actually reduce this score
Because 80.4% of Garfield's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Garfield's figures come from
The methodology guide shows exactly how USFS turned 194 counted buildings into the percentiles shown above for Garfield. The exposure-zones guide covers what Garfield's dominant indirect exposure actually means, with real examples from across the dataset.