Cobbtown, GA
Cobbtown wildfire risk explained
Out of every US place USFS scores, Cobbtown lands at the 61st percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 269 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cobbtown's burn probability — fire likelihood with no building count factored in — sits at the 61st percentile nationally.
What "at risk" means for the buildings here
269 buildings are counted in Cobbtown, and 68% of them are Indirect exposure — ember-driven risk rather than the 32% in Direct exposure or the 0% rated Minimal.
Where Cobbtown ranks
Cobbtown ranks lower within Georgia (24th percentile statewide) than its 61st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Cobbtown ranks 12,220 for wildfire risk (1 is highest) and 22,527 by building count (1 is largest). Within Georgia alone, it ranks 507 of 669 places by risk. See the full county-by-county picture for Georgia on its state page.
Cobbtown and the insurance market
At the 61st percentile nationally, Cobbtown 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 Cobbtown (68% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Cobbtown's figures come from
The methodology guide shows exactly how USFS turned 269 counted buildings into the percentiles shown above for Cobbtown. The exposure-zones guide covers what Cobbtown's dominant indirect exposure actually means, with real examples from across the dataset.