Folkston, GA
How exposed is Folkston to wildfire?
USFS's Wildfire Risk to Communities model puts Folkston at the 77th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 1,245 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Folkston at the 78th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Direct exposure dominates in Folkston: 59% of its 1,245 buildings, versus 41% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Folkston compares
There's little gap between Folkston'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, Folkston ranks 7,115 for wildfire risk (1 is highest) and 10,373 by building count (1 is largest). Within Georgia alone, it ranks 92 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
Folkston'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.
Lowering exposure, not just insuring around it
Folkston's 59% 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 Folkston's figures come from
Folkston's 77th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Folkston's dominant direct exposure actually means, with real examples from across the dataset.