Commerce, GA
Commerce, GA's wildfire risk, in USFS's own numbers
USFS scores Commerce at the 60th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 3,336 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Commerce's burn probability — fire likelihood with no building count factored in — sits at the 64th percentile nationally.
Commerce's building exposure, zone by zone
Direct exposure dominates in Commerce: 50.4% of its 3,336 buildings, versus 49.6% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Commerce compares
Inside Georgia, Commerce sits at just the 20th percentile even though it scores 60th 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, Commerce ranks 12,502 for wildfire risk (1 is highest) and 4,996 by building count (1 is largest). Within Georgia alone, it ranks 535 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
Commerce's high rating (60th 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
Commerce's 50.4% 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
Every one of the two percentiles behind Commerce's 12,502-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Commerce, see the exposure-zones guide.