Georgetown, MS
Georgetown wildfire risk explained
USFS scores Georgetown at the 75th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 192 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 78th percentile, close to its 75th-percentile risk score.
Where Georgetown's buildings actually sit
55.2% of Georgetown's 192 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 44.8% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Georgetown ranks
Georgetown's risk sits at a similar level relative to Mississippi (72nd percentile statewide) as it does nationally (75th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Georgetown ranks 7,819 for wildfire risk (1 is highest) and 25,166 by building count (1 is largest). Within Mississippi alone, it ranks 118 of 420 places by risk. See the full county-by-county picture for Mississippi on its state page.
What this risk score means for insurance
Georgetown's high rating (75th 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
With ember exposure the dominant pattern in Georgetown (55.2% 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 192 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.