Garrison, MD
Garrison wildfire risk explained
Garrison's 1,291 buildings earn a 13th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Garrison at the 11th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Garrison's buildings actually sit
Garrison rates 48.3% Minimal exposure against just 43.5% Direct and 8.3% Indirect — of 1,291 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Garrison against the rest of the country
Garrison scores 13th nationally and 9th within Maryland — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Garrison ranks 27,453 for wildfire risk (1 is highest) and 10,111 by building count (1 is largest). Within Maryland alone, it ranks 478 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
Shopping for coverage in Garrison
Garrison's low wildfire rating (13th 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.
What would actually reduce this score
Even with 48.3% of Garrison outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Garrison's figures come from
The methodology guide shows exactly how USFS turned 1,291 counted buildings into the percentiles shown above for Garrison. The exposure-zones guide covers what Garrison's dominant minimal exposure actually means, with real examples from across the dataset.