Garner, TX
Garner wildfire risk explained
USFS's Wildfire Risk to Communities model puts Garner at the 96th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 411 actual buildings. (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 95th percentile nationally.
Garner's building exposure, zone by zone
Direct exposure dominates in Garner: 94.4% of its 411 buildings, versus 5.6% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Garner compares
There's little gap between Garner's 96th national percentile and its 96th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Garner ranks 1,305 for wildfire risk (1 is highest) and 19,022 by building count (1 is largest). Within Texas alone, it ranks 66 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Garner
At the 96th percentile nationally, Garner 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
Garner's 94.4% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Garner's 96th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Garner, see the exposure-zones guide.