Lumpkin, GA
Lumpkin wildfire risk explained
Lumpkin 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 696 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 Lumpkin at the 71st percentile, close to its 72nd-percentile risk score.
Lumpkin's building exposure, zone by zone
63.4% of Lumpkin's 696 buildings sit in USFS's Direct exposure zone, roughly 441 structures close enough to burnable vegetation for flame contact, not just embers — 36.6% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Lumpkin ranks
Lumpkin scores 72nd nationally and 71st 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, Lumpkin ranks 8,880 for wildfire risk (1 is highest) and 14,704 by building count (1 is largest). Within Georgia alone, it ranks 195 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
At the 72nd percentile nationally, Lumpkin 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
With 63.4% of Lumpkin 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.
More on how this number was built
Every one of the two percentiles behind Lumpkin's 8,880-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Lumpkin, see the exposure-zones guide.