Chattanooga Valley, GA
How exposed is Chattanooga Valley to wildfire?
USFS's Wildfire Risk to Communities model puts Chattanooga Valley at the 77th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 2,187 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Chattanooga Valley at the 80th percentile, close to its 77th-percentile risk score.
Chattanooga Valley's building exposure, zone by zone
2,187 buildings are counted in Chattanooga Valley, and 86.7% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Chattanooga Valley ranks
There's little gap between Chattanooga Valley's 77th national percentile and its 86th percentile inside Georgia, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Chattanooga Valley ranks 7,147 for wildfire risk (1 is highest) and 6,967 by building count (1 is largest). Within Georgia alone, it ranks 93 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
Chattanooga Valley's high rating (77th 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.
Hardening a home in Chattanooga Valley
Chattanooga Valley's 86.7% 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.
More on how this number was built
Chattanooga Valley's 77th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Chattanooga Valley, see the exposure-zones guide.