Monroe, GA
How exposed is Monroe to wildfire?
USFS's Wildfire Risk to Communities model puts Monroe at the 59th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 5,441 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Monroe at the 62nd national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Indirect exposure is dominant in Monroe (47.5% of 5,441 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 45.7% sit in the Direct zone. At 5,441 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Monroe against the rest of the country
Monroe ranks lower within Georgia (17th percentile statewide) than its 59th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Monroe ranks 12,916 for wildfire risk (1 is highest) and 3,174 by building count (1 is largest). Within Georgia alone, it ranks 558 of 669 places by risk. See the full county-by-county picture for Georgia on its state page.
Monroe and the insurance market
Monroe's elevated wildfire rating (59th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Monroe's 47.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Monroe's figures come from
Every one of the two percentiles behind Monroe's 12,916-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Monroe's dominant indirect exposure actually means, with real examples from across the dataset.