Alma, GA
How exposed is Alma to wildfire?
USFS's Wildfire Risk to Communities model puts Alma at the 68th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 1,925 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Alma at the 68th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Alma's buildings actually sit
USFS puts 65.1% of Alma's 1,925 buildings in the Indirect exposure zone, versus 34.3% Direct and 0.6% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Alma compares
Alma scores 68th nationally and 58th within Georgia — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Alma ranks 10,109 for wildfire risk (1 is highest) and 7,692 by building count (1 is largest). Within Georgia alone, it ranks 283 of 669 places by risk. See the full county-by-county picture for Georgia on its state page.
What this risk score means for insurance
At the 68th percentile nationally, Alma 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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Alma (65.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Alma's 10,109-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Alma, see the exposure-zones guide.