Gumbranch, GA
Gumbranch wildfire risk explained
USFS's Wildfire Risk to Communities model puts Gumbranch at the 68th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 198 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Gumbranch at the 68th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 100% of Gumbranch's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 198 structures sit close enough to vegetation that lot clearing matters most.
How Gumbranch compares
Gumbranch's risk sits at a similar level relative to Georgia (59th percentile statewide) as it does nationally (68th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Gumbranch ranks 10,014 for wildfire risk (1 is highest) and 24,916 by building count (1 is largest). Within Georgia alone, it ranks 278 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
Gumbranch's high rating (68th 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.
Hardening a home in Gumbranch
Because Direct exposure dominates in Gumbranch (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Gumbranch's 68th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Gumbranch, see the exposure-zones guide.