Girard, TX
How exposed is Girard to wildfire?
Out of every US place USFS scores, Girard lands at the 95th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 66 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Girard's burn probability — fire likelihood with no building count factored in — sits at the 93rd percentile nationally.
Girard's building exposure, zone by zone
Of Girard's 66 counted buildings, 68.2% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Girard against the rest of the country
There's little gap between Girard's 95th national percentile and its 94th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Girard ranks 1,713 for wildfire risk (1 is highest) and 30,449 by building count (1 is largest). Within Texas alone, it ranks 101 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Girard
Girard's 95th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Girard (68.2%), 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
Every one of the two percentiles behind Girard's 1,713-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Girard, see the exposure-zones guide.