Montezuma, GA
Montezuma, GA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Montezuma at the 59th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 1,677 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Montezuma at the 61st 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
Direct exposure dominates in Montezuma: 50.8% of its 1,677 buildings, versus 49.2% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Montezuma ranks
Montezuma's 59th national percentile looks worse in isolation than its 17th ranking inside Georgia does — this place is on the milder end for its own state, by 42 points. Among the 31,521 US communities USFS scores, Montezuma ranks 12,947 for wildfire risk (1 is highest) and 8,500 by building count (1 is largest). Within Georgia alone, it ranks 559 of 669 places by risk. See the full county-by-county picture for Georgia on its state page.
Shopping for coverage in Montezuma
Montezuma'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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Montezuma (50.8%), 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
Montezuma's 59th-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 Montezuma, see the exposure-zones guide.