Dutch Island, GA
Dutch Island wildfire risk explained
Dutch Island sits at the 84th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 519 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Dutch Island at the 75th national percentile — 9 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Dutch Island's buildings actually sit
USFS classifies 79% of Dutch Island's buildings as Direct exposure, higher than its 20.6% Indirect share and far above its 0.4% Minimal share — a profile where 410 structures sit close enough to vegetation that lot clearing matters most.
How Dutch Island compares
There's little gap between Dutch Island's 84th national percentile and its 95th percentile inside Georgia, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Dutch Island ranks 5,104 for wildfire risk (1 is highest) and 17,033 by building count (1 is largest). Within Georgia alone, it ranks 36 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
Dutch Island's very high rating (84th 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
Because Direct exposure dominates in Dutch Island (79%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Dutch Island's figures come from
Every one of the two percentiles behind Dutch Island's 5,104-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Dutch Island's dominant direct exposure actually means, with real examples from across the dataset.