Garrett, PA
How exposed is Garrett to wildfire?
Garrett's 283 buildings earn a 49th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Garrett at the 48th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Garrett's buildings actually sit
USFS classifies 50.2% of Garrett's buildings as Direct exposure, higher than its 49.8% Indirect share and far above its 0% Minimal share — a profile where 142 structures sit close enough to vegetation that lot clearing matters most.
Where Garrett ranks
Compare Garrett's two percentiles: 80th within Pennsylvania, only 49th nationally — a gap of 31 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Garrett ranks 16,085 for wildfire risk (1 is highest) and 22,102 by building count (1 is largest). Within Pennsylvania alone, it ranks 398 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Garrett and the insurance market
Garrett's elevated wildfire rating (49th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Garrett
Garrett's 50.2% 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.
Where Garrett's figures come from
Every one of the two percentiles behind Garrett's 16,085-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Garrett's dominant direct exposure actually means, with real examples from across the dataset.