Carl, GA
How exposed is Carl to wildfire?
USFS's Wildfire Risk to Communities model puts Carl at the 52nd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 184 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Carl at the 55th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Carl's building exposure, zone by zone
Direct exposure dominates in Carl: 78.8% of its 184 buildings, versus 21.2% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Carl ranks
Inside Georgia, Carl sits at just the 8th percentile even though it scores 52nd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Carl ranks 15,119 for wildfire risk (1 is highest) and 25,452 by building count (1 is largest). Within Georgia alone, it ranks 618 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
Carl's elevated wildfire rating (52nd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Carl
Carl's 78.8% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Carl's figures come from
The methodology guide shows exactly how USFS turned 184 counted buildings into the percentiles shown above for Carl. The exposure-zones guide covers what Carl's dominant direct exposure actually means, with real examples from across the dataset.