Garfield, GA
How exposed is Garfield to wildfire?
USFS's Wildfire Risk to Communities model puts Garfield at the 62nd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 162 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Garfield at the 61st percentile, close to its 62nd-percentile risk score.
Where Garfield's buildings actually sit
USFS classifies 72.8% of Garfield's buildings as Direct exposure, higher than its 27.2% Indirect share and far above its 0% Minimal share — a profile where 118 structures sit close enough to vegetation that lot clearing matters most.
Where Garfield ranks
Inside Georgia, Garfield sits at just the 26th percentile even though it scores 62nd 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, Garfield ranks 12,125 for wildfire risk (1 is highest) and 26,324 by building count (1 is largest). Within Georgia alone, it ranks 495 of 669 places by risk. See the full county-by-county picture for Georgia on its state page.
Shopping for coverage in Garfield
Garfield's 62nd-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
Garfield's 72.8% 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
Garfield's 62nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Garfield, see the exposure-zones guide.