Fargo, GA
Fargo wildfire risk explained
USFS's Wildfire Risk to Communities model puts Fargo at the 77th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 257 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fargo's burn probability — fire likelihood with no building count factored in — sits at the 79th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 73.9% of Fargo's buildings as Direct exposure, higher than its 26.1% Indirect share and far above its 0% Minimal share — a profile where 190 structures sit close enough to vegetation that lot clearing matters most.
How Fargo compares
There's little gap between Fargo's 77th national percentile and its 87th percentile inside Georgia, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Fargo ranks 7,114 for wildfire risk (1 is highest) and 22,911 by building count (1 is largest). Within Georgia alone, it ranks 91 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
Fargo's 77th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Fargo's 73.9% 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 Fargo's figures come from
The methodology guide shows exactly how USFS turned 257 counted buildings into the percentiles shown above for Fargo. The exposure-zones guide covers what Fargo's dominant direct exposure actually means, with real examples from across the dataset.