Girard, GA
How exposed is Girard to wildfire?
Girard sits at the 64th 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 159 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Girard at the 64th percentile, close to its 64th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 96.9% of Girard's buildings as Direct exposure, higher than its 3.1% Indirect share and far above its 0% Minimal share — a profile where 154 structures sit close enough to vegetation that lot clearing matters most.
How Girard compares
Girard's 64th national percentile looks worse in isolation than its 39th ranking inside Georgia does — this place is on the milder end for its own state, by 26 points. Among the 31,521 US communities USFS scores, Girard ranks 11,216 for wildfire risk (1 is highest) and 26,474 by building count (1 is largest). Within Georgia alone, it ranks 408 of 669 places by risk. See the full county-by-county picture for Georgia on its state page.
What this risk score means for insurance
At the 64th percentile nationally, Girard 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.
Lowering exposure, not just insuring around it
With 96.9% of Girard in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Girard's figures come from
The methodology guide shows exactly how USFS turned 159 counted buildings into the percentiles shown above for Girard. The exposure-zones guide covers what Girard's dominant direct exposure actually means, with real examples from across the dataset.