Garland, NE
How exposed is Garland to wildfire?
Out of every US place USFS scores, Garland lands at the 88th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 213 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Garland at the 83rd national percentile — 5 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Garland's buildings actually sit
58.2% of Garland's 213 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 7% Direct and 34.7% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Garland ranks
Garland scores 88th nationally and 96th within Nebraska — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Garland ranks 3,815 for wildfire risk (1 is highest) and 24,369 by building count (1 is largest). Within Nebraska alone, it ranks 23 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
What this risk score means for insurance
Garland's 88th-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.
Lowering exposure, not just insuring around it
Garland's 58.2% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 213 counted buildings into the percentiles shown above for Garland. For more on what indirect exposure implies beyond Garland, see the exposure-zones guide.