Homer, GA
How exposed is Homer to wildfire?
Homer sits at the 67th 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 944 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Homer at the 70th percentile, close to its 67th-percentile risk score.
Where Homer's buildings actually sit
85.4% of Homer's 944 buildings sit in USFS's Direct exposure zone, roughly 806 structures close enough to burnable vegetation for flame contact, not just embers — 14.6% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Homer ranks
Homer scores 67th nationally and 52nd 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, Homer ranks 10,486 for wildfire risk (1 is highest) and 12,350 by building count (1 is largest). Within Georgia alone, it ranks 320 of 669 places by risk. See the full county-by-county picture for Georgia on its state page.
Shopping for coverage in Homer
Homer's 67th-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.
Hardening a home in Homer
Because Direct exposure dominates in Homer (85.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Homer's figures come from
Every one of the two percentiles behind Homer's 10,486-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Homer's dominant direct exposure actually means, with real examples from across the dataset.