Lookout Mountain, GA
How exposed is Lookout Mountain to wildfire?
USFS's Wildfire Risk to Communities model puts Lookout Mountain at the 78th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 679 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lookout Mountain at the 81st percentile, close to its 78th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Lookout Mountain: 97.4% of its 679 buildings, versus 2.7% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Lookout Mountain against the rest of the country
Lookout Mountain's risk sits at a similar level relative to Georgia (88th percentile statewide) as it does nationally (78th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lookout Mountain ranks 6,964 for wildfire risk (1 is highest) and 14,868 by building count (1 is largest). Within Georgia alone, it ranks 81 of 669 places by risk. See the full county-by-county picture for Georgia on its state page.
Lookout Mountain and the insurance market
At the 78th percentile nationally, Lookout Mountain carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Lookout Mountain (97.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Lookout Mountain's figures come from
Every one of the two percentiles behind Lookout Mountain's 6,964-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lookout Mountain's dominant direct exposure actually means, with real examples from across the dataset.