Henderson, GA
Henderson wildfire risk explained
Henderson sits at the 72nd 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 619 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Henderson's burn probability — fire likelihood with no building count factored in — sits at the 67th percentile nationally.
Henderson's building exposure, zone by zone
Direct exposure dominates in Henderson: 61.4% of its 619 buildings, versus 38.6% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Henderson ranks
Henderson's risk sits at a similar level relative to Georgia (70th percentile statewide) as it does nationally (72nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Henderson ranks 8,943 for wildfire risk (1 is highest) and 15,569 by building count (1 is largest). Within Georgia alone, it ranks 200 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
Henderson's 72nd-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
Henderson's 61.4% 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.
More on how this number was built
Henderson's 72nd-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 Henderson, see the exposure-zones guide.