McRae-Helena, GA
McRae-Helena wildfire risk explained
McRae-Helena's 2,368 buildings earn a 68th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts McRae-Helena at the 68th percentile, close to its 68th-percentile risk score.
McRae-Helena's building exposure, zone by zone
Most of McRae-Helena's buildings (64.1%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Where McRae-Helena ranks
McRae-Helena's risk sits at a similar level relative to Georgia (56th percentile statewide) as it does nationally (68th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, McRae-Helena ranks 10,239 for wildfire risk (1 is highest) and 6,571 by building count (1 is largest). Within Georgia alone, it ranks 297 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
McRae-Helena's high rating (68th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
With ember exposure the dominant pattern in McRae-Helena (64.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,368 counted buildings into the percentiles shown above for McRae-Helena. For more on what indirect exposure implies beyond McRae-Helena, see the exposure-zones guide.