Garner, NC
Garner wildfire risk explained
Garner sits at the 41st percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 11,024 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Garner's burn probability — fire likelihood with no building count factored in — sits at the 43rd percentile nationally.
Garner's building exposure, zone by zone
Direct exposure dominates in Garner: 59.3% of its 11,024 buildings, versus 17.4% Indirect and 23.3% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap. At 11,024 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Garner compares
Inside North Carolina, Garner sits at just the 17th percentile even though it scores 41st nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Garner ranks 18,660 for wildfire risk (1 is highest) and 1,440 by building count (1 is largest). Within North Carolina alone, it ranks 642 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
Garner and the insurance market
Garner's elevated rating (41st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Garner
With 59.3% of Garner 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 Garner's figures come from
Garner's 41st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Garner's dominant direct exposure actually means, with real examples from across the dataset.