Monticello, GA
Monticello wildfire risk explained
Monticello sits at the 68th 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 1,364 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Monticello's burn probability — fire likelihood with no building count factored in — sits at the 70th percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Monticello: 78.2% of its 1,364 buildings, versus 21.9% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Monticello against the rest of the country
Monticello scores 68th nationally and 57th 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, Monticello ranks 10,145 for wildfire risk (1 is highest) and 9,767 by building count (1 is largest). Within Georgia alone, it ranks 289 of 669 places by risk. See the full county-by-county picture for Georgia on its state page.
Monticello and the insurance market
Monticello'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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Monticello (78.2%), 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
The methodology guide shows exactly how USFS turned 1,364 counted buildings into the percentiles shown above for Monticello. For more on what direct exposure implies beyond Monticello, see the exposure-zones guide.