Garwood, TX
How exposed is Garwood to wildfire?
Out of every US place USFS scores, Garwood lands at the 60th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 502 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Garwood at the 62nd percentile, close to its 60th-percentile risk score.
What "at risk" means for the buildings here
502 buildings are counted in Garwood, and 56.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0.2% rated Minimal.
Where Garwood ranks
Inside Texas, Garwood sits at just the 14th percentile even though it scores 60th 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, Garwood ranks 12,494 for wildfire risk (1 is highest) and 17,322 by building count (1 is largest). Within Texas alone, it ranks 1,533 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Garwood
At the 60th percentile nationally, Garwood carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Garwood's 56.6% 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.
More on how this number was built
Every one of the two percentiles behind Garwood's 12,494-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Garwood, see the exposure-zones guide.