Garrison, TX
How exposed is Garrison to wildfire?
USFS's Wildfire Risk to Communities model puts Garrison at the 66th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 488 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Garrison at the 68th percentile, close to its 66th-percentile risk score.
Where Garrison's buildings actually sit
Most of Garrison's buildings (52.5%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Garrison against the rest of the country
Garrison ranks lower within Texas (24th percentile statewide) than its 66th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Garrison ranks 10,633 for wildfire risk (1 is highest) and 17,579 by building count (1 is largest). Within Texas alone, it ranks 1,374 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
What this risk score means for insurance
Garrison's high rating (66th 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.
What would actually reduce this score
With ember exposure the dominant pattern in Garrison (52.5% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Garrison's figures come from
The methodology guide shows exactly how USFS turned 488 counted buildings into the percentiles shown above for Garrison. The exposure-zones guide covers what Garrison's dominant indirect exposure actually means, with real examples from across the dataset.