Cadwell, GA
How exposed is Cadwell to wildfire?
USFS scores Cadwell at the 64th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 263 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cadwell at the 65th percentile, close to its 64th-percentile risk score.
Cadwell's building exposure, zone by zone
Direct exposure dominates in Cadwell: 76.4% of its 263 buildings, versus 23.6% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Cadwell ranks
Cadwell ranks lower within Georgia (39th percentile statewide) than its 64th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Cadwell ranks 11,243 for wildfire risk (1 is highest) and 22,719 by building count (1 is largest). Within Georgia alone, it ranks 411 of 669 places by risk. See the full county-by-county picture for Georgia on its state page.
Cadwell and the insurance market
Cadwell's high rating (64th 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
With 76.4% of Cadwell in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Cadwell's 11,243-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Cadwell, see the exposure-zones guide.