Milner, GA
How exposed is Milner to wildfire?
USFS scores Milner at the 71st national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 409 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Milner at the 74th percentile, close to its 71st-percentile risk score.
What "at risk" means for the buildings here
89% of Milner's 409 buildings sit in USFS's Direct exposure zone, roughly 364 structures close enough to burnable vegetation for flame contact, not just embers — 11% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Milner ranks
Milner scores 71st nationally and 67th 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, Milner ranks 9,196 for wildfire risk (1 is highest) and 19,048 by building count (1 is largest). Within Georgia alone, it ranks 220 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
Milner's high rating (71st 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
Because Direct exposure dominates in Milner (89%), 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
Milner's 71st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Milner, see the exposure-zones guide.