Fort Gaines, GA
Fort Gaines wildfire risk explained
USFS's Wildfire Risk to Communities model puts Fort Gaines at the 66th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 640 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fort Gaines's burn probability — fire likelihood with no building count factored in — sits at the 66th percentile nationally.
What "at risk" means for the buildings here
640 buildings are counted in Fort Gaines, and 66.4% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0.5% rated Minimal.
Fort Gaines against the rest of the country
Fort Gaines ranks lower within Georgia (49th percentile statewide) than its 66th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Fort Gaines ranks 10,645 for wildfire risk (1 is highest) and 15,322 by building count (1 is largest). Within Georgia alone, it ranks 340 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
Fort Gaines's high rating (66th 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
Fort Gaines's 66.4% 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
The methodology guide shows exactly how USFS turned 640 counted buildings into the percentiles shown above for Fort Gaines. For more on what direct exposure implies beyond Fort Gaines, see the exposure-zones guide.