Hoboken, GA
Hoboken wildfire risk explained
USFS scores Hoboken at the 73rd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 436 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hoboken's burn probability — fire likelihood with no building count factored in — sits at the 74th percentile nationally.
Where Hoboken's buildings actually sit
69% of Hoboken's 436 buildings sit in USFS's Direct exposure zone, roughly 301 structures close enough to burnable vegetation for flame contact, not just embers — 31% fall in the Indirect, ember-only zone and 0% are Minimal.
Hoboken against the rest of the country
Hoboken scores 73rd nationally and 75th within Georgia — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Hoboken ranks 8,603 for wildfire risk (1 is highest) and 18,530 by building count (1 is largest). Within Georgia alone, it ranks 167 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
Hoboken's 73rd-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 69% of Hoboken 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 Hoboken's figures come from
Hoboken's 73rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Hoboken's dominant direct exposure actually means, with real examples from across the dataset.