Georgetown, TX
How exposed is Georgetown to wildfire?
Georgetown sits at the 75th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 25,826 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 72nd national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Georgetown's buildings actually sit
57.2% of Georgetown's 25,826 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 24.5% Direct and 18.3% Minimal. Vent screens and roofing material matter more here than lot clearing alone. At 25,826 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Georgetown compares
Inside Texas, Georgetown sits at just the 47th percentile even though it scores 75th 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, Georgetown ranks 7,801 for wildfire risk (1 is highest) and 487 by building count (1 is largest). Within Texas alone, it ranks 951 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Georgetown and the insurance market
At the 75th percentile nationally, Georgetown carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Because 57.2% of Georgetown's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Georgetown's figures come from
The methodology guide shows exactly how USFS turned 25,826 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.