Garrison, KY
How exposed is Garrison to wildfire?
USFS scores Garrison at the 55th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 744 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Garrison at the 57th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Garrison's buildings actually sit
65.9% of Garrison's 744 buildings sit in USFS's Direct exposure zone, roughly 490 structures close enough to burnable vegetation for flame contact, not just embers — 33.1% fall in the Indirect, ember-only zone and 1.1% are Minimal.
Garrison against the rest of the country
Garrison's 81st-percentile standing inside Kentucky outpaces its 55th 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, Garrison ranks 14,084 for wildfire risk (1 is highest) and 14,182 by building count (1 is largest). Within Kentucky alone, it ranks 106 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
What this risk score means for insurance
At the 55th national percentile, Garrison rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With 65.9% of Garrison 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 Garrison's figures come from
Every one of the two percentiles behind Garrison's 14,084-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Garrison's dominant direct exposure actually means, with real examples from across the dataset.