Morgan, GA
Morgan, GA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Morgan lands at the 62nd percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 262 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Morgan at the 61st national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Morgan's buildings actually sit
USFS classifies 59.2% of Morgan's buildings as Direct exposure, higher than its 40.8% Indirect share and far above its 0% Minimal share — a profile where 155 structures sit close enough to vegetation that lot clearing matters most.
Where Morgan ranks
Inside Georgia, Morgan sits at just the 26th percentile even though it scores 62nd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Morgan ranks 12,126 for wildfire risk (1 is highest) and 22,766 by building count (1 is largest). Within Georgia alone, it ranks 496 of 669 places by risk. See the full county-by-county picture for Georgia on its state page.
Morgan and the insurance market
Morgan's high rating (62nd 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.
Hardening a home in Morgan
Morgan's 59.2% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 262 counted buildings into the percentiles shown above for Morgan. For more on what direct exposure implies beyond Morgan, see the exposure-zones guide.