Lone Oak, GA
Lone Oak wildfire risk explained
Out of every US place USFS scores, Lone Oak lands at the 74th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 76 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lone Oak's burn probability — fire likelihood with no building count factored in — sits at the 77th percentile nationally.
What "at risk" means for the buildings here
76 buildings are counted in Lone Oak, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Lone Oak compares
Lone Oak scores 74th nationally and 80th 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, Lone Oak ranks 8,091 for wildfire risk (1 is highest) and 30,042 by building count (1 is largest). Within Georgia alone, it ranks 132 of 669 places by risk. See the full county-by-county picture for Georgia on its state page.
Shopping for coverage in Lone Oak
Lone Oak's 74th-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.
What would actually reduce this score
Because Direct exposure dominates in Lone Oak (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
The methodology guide shows exactly how USFS turned 76 counted buildings into the percentiles shown above for Lone Oak. For more on what direct exposure implies beyond Lone Oak, see the exposure-zones guide.