Gray, GA
Gray, GA's wildfire risk, in USFS's own numbers
Gray's 1,461 buildings earn a 71st-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Gray's burn probability — fire likelihood with no building count factored in — sits at the 73rd percentile nationally.
Gray's building exposure, zone by zone
75.2% of Gray's 1,461 buildings sit in USFS's Direct exposure zone, roughly 1,098 structures close enough to burnable vegetation for flame contact, not just embers — 22.8% fall in the Indirect, ember-only zone and 2.1% are Minimal.
Where Gray ranks
Gray's risk sits at a similar level relative to Georgia (67th percentile statewide) as it does nationally (71st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Gray ranks 9,295 for wildfire risk (1 is highest) and 9,344 by building count (1 is largest). Within Georgia alone, it ranks 223 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 71st percentile nationally, Gray 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
Gray's 75.2% 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 Gray's figures come from
The methodology guide shows exactly how USFS turned 1,461 counted buildings into the percentiles shown above for Gray. The exposure-zones guide covers what Gray's dominant direct exposure actually means, with real examples from across the dataset.