With the score knotted at 24, the Jaguars had one final play to try to win the game.
Garrard took the snap, stepped up and launched a pass 50 yards downfield in the direction of a cluster of wide receivers.
Houston's Glover Quin knocked the ball away from Mike Sims-Walker, but ended up batting it right into the waiting arms of Jaguars' receiver Mike Thomas as time expired.
The Texans' woeful pass defense just can't catch a break.
Meanwhile, the Jaguars caught a break after the normally reliable Josh Scobee missed two field goals in the first quarter.
Houston had a chance to win in the closing seconds, but a fumble by Joel Dreessen late in the game helped open the door for Jacksonville.
With no timeouts remaining and facing a fourth down, Houston would not have a chance to stop the clock to line up for a field goal, but the game seemed destined for overtime.
Instead, the Jaguars took over and Garrard found tight end Marcedes Lewis for a first down.
An offsides penalty moved the ball five yards closer to the end zone, setting up the 50-yard game winning heave.
Jacksonville moved to 5-4 on the season with the victory, while the struggling Texans fell to 4-5 with a third straight loss.
After a promising start to the season, Houston appears to be on the verge of coming up short in the quest to make the playoffs yet again.
Gary Kubiak might need a miracle to save his job.