Garrett, TX
Garrett, TX's wildfire risk, in USFS's own numbers
USFS scores Garrett at the 78th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 405 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Garrett at the 77th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
405 buildings are counted in Garrett, and 76.8% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 4% rated Minimal.
Garrett against the rest of the country
Inside Texas, Garrett sits at just the 55th percentile even though it scores 78th 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, Garrett ranks 7,009 for wildfire risk (1 is highest) and 19,128 by building count (1 is largest). Within Texas alone, it ranks 803 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Garrett
Garrett's high rating (78th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Garrett (76.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 405 counted buildings into the percentiles shown above for Garrett. For more on what direct exposure implies beyond Garrett, see the exposure-zones guide.