Georgetown, DE
How exposed is Georgetown to wildfire?
USFS scores Georgetown at the 54th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 2,364 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Georgetown at the 53rd percentile, close to its 54th-percentile risk score.
Where Georgetown's buildings actually sit
Indirect exposure is dominant in Georgetown (79.7% of 2,364 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 20.3% sit in the Direct zone.
How Georgetown compares
Georgetown's 90th-percentile standing inside Delaware outpaces its 54th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Georgetown ranks 14,644 for wildfire risk (1 is highest) and 6,579 by building count (1 is largest). Within Delaware alone, it ranks 9 of 79 places by risk. See the full county-by-county picture for Delaware on its state page.
Georgetown and the insurance market
Georgetown's elevated wildfire rating (54th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Georgetown
With ember exposure the dominant pattern in Georgetown (79.7% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Georgetown's figures come from
The methodology guide shows exactly how USFS turned 2,364 counted buildings into the percentiles shown above for Georgetown. The exposure-zones guide covers what Georgetown's dominant indirect exposure actually means, with real examples from across the dataset.