Gumlog, GA
Gumlog wildfire risk explained
Gumlog sits at the 66th 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 1,898 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Gumlog's burn probability — fire likelihood with no building count factored in — sits at the 69th percentile nationally.
Where Gumlog's buildings actually sit
97.2% of Gumlog's 1,898 buildings sit in USFS's Direct exposure zone, roughly 1,845 structures close enough to burnable vegetation for flame contact, not just embers — 1.1% fall in the Indirect, ember-only zone and 1.7% are Minimal.
Where Gumlog ranks
Gumlog ranks lower within Georgia (48th percentile statewide) than its 66th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Gumlog ranks 10,712 for wildfire risk (1 is highest) and 7,775 by building count (1 is largest). Within Georgia alone, it ranks 348 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
Gumlog's 66th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
With 97.2% of Gumlog 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 Gumlog's figures come from
The methodology guide shows exactly how USFS turned 1,898 counted buildings into the percentiles shown above for Gumlog. The exposure-zones guide covers what Gumlog's dominant direct exposure actually means, with real examples from across the dataset.