Garrett, IN
How exposed is Garrett to wildfire?
Out of every US place USFS scores, Garrett lands at the 4th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 3,045 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Garrett's burn probability — fire likelihood with no building count factored in — sits at the 4th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 93.9% of Garrett's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 6.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Garrett compares
Garrett's 28th-percentile standing inside Indiana outpaces its 4th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Garrett ranks 30,315 for wildfire risk (1 is highest) and 5,362 by building count (1 is largest). Within Indiana alone, it ranks 696 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
What this risk score means for insurance
Garrett's low rating (4th 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 Garrett
Garrett's 93.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 3,045 counted buildings into the percentiles shown above for Garrett. For more on what minimal exposure implies beyond Garrett, see the exposure-zones guide.