Georgetown, CA
Georgetown, CA's wildfire risk, in USFS's own numbers
Georgetown sits at the 100th 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 1,573 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Georgetown at the 99th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Of Georgetown's 1,573 counted buildings, 92.9% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Georgetown against the rest of the country
Georgetown's risk sits at a similar level relative to California (96th percentile statewide) as it does nationally (100th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Georgetown ranks 91 for wildfire risk (1 is highest) and 8,870 by building count (1 is largest). Within California alone, it ranks 55 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
What this risk score means for insurance
Georgetown's 100th-percentile score lands in California, the only two states requiring a wildfire disclosure at sale. California's surplus-lines homeowners market passed 300,000 policies for the first time in 2025, driven by carriers pulling back from wildfire-exposed areas statewide. The disclosure-law guide covers what it requires.
Lowering exposure, not just insuring around it
Georgetown's 92.9% 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 Georgetown's figures come from
Georgetown's 100th-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 Georgetown's dominant direct exposure actually means, with real examples from across the dataset.