Moreland, GA
Moreland wildfire risk explained
USFS scores Moreland at the 72nd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 258 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Moreland's burn probability — fire likelihood with no building count factored in — sits at the 74th percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Moreland: 87.6% of its 258 buildings, versus 12.4% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Moreland ranks
Moreland scores 72nd nationally and 70th 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, Moreland ranks 8,976 for wildfire risk (1 is highest) and 22,878 by building count (1 is largest). Within Georgia alone, it ranks 206 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
Moreland's high rating (72nd 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
Moreland's 87.6% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Moreland's figures come from
The methodology guide shows exactly how USFS turned 258 counted buildings into the percentiles shown above for Moreland. The exposure-zones guide covers what Moreland's dominant direct exposure actually means, with real examples from across the dataset.