Gary City, TX
Gary City wildfire risk explained
Gary City sits at the 66th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 256 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Gary City's burn probability — fire likelihood with no building count factored in — sits at the 68th percentile nationally.
Gary City's building exposure, zone by zone
USFS classifies 92.2% of Gary City's buildings as Direct exposure, higher than its 7.8% Indirect share and far above its 0% Minimal share — a profile where 236 structures sit close enough to vegetation that lot clearing matters most.
Where Gary City ranks
Gary City 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, Gary City ranks 10,603 for wildfire risk (1 is highest) and 22,961 by building count (1 is largest). Within Texas alone, it ranks 1,371 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Gary City and the insurance market
Gary City'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
Because Direct exposure dominates in Gary City (92.2%), 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 256 counted buildings into the percentiles shown above for Gary City. For more on what direct exposure implies beyond Gary City, see the exposure-zones guide.