Garfield, TX
Garfield wildfire risk explained
Garfield's 1,426 buildings earn a 73rd-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Garfield's burn probability — fire likelihood with no building count factored in — sits at the 73rd percentile nationally.
Where Garfield's buildings actually sit
USFS classifies 97.3% of Garfield's buildings as Direct exposure, higher than its 2.5% Indirect share and far above its 0.1% Minimal share — a profile where 1,388 structures sit close enough to vegetation that lot clearing matters most.
How Garfield compares
Garfield ranks lower within Texas (40th percentile statewide) than its 73rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Garfield ranks 8,489 for wildfire risk (1 is highest) and 9,500 by building count (1 is largest). Within Texas alone, it ranks 1,083 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Garfield
At the 73rd percentile nationally, Garfield carries the 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
With 97.3% of Garfield in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Garfield's figures come from
Every one of the two percentiles behind Garfield's 8,489-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Garfield's dominant direct exposure actually means, with real examples from across the dataset.