Morganton, GA
Morganton, GA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Morganton lands at the 77th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 232 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Morganton at the 80th national percentile — 4 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
89.7% of Morganton's 232 buildings sit in USFS's Direct exposure zone, roughly 208 structures close enough to burnable vegetation for flame contact, not just embers — 10.3% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Morganton ranks
Morganton scores 77th nationally and 85th 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, Morganton ranks 7,275 for wildfire risk (1 is highest) and 23,726 by building count (1 is largest). Within Georgia alone, it ranks 100 of 669 places by risk. See the full county-by-county picture for Georgia on its state page.
Morganton and the insurance market
Morganton's 77th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Morganton (89.7%), 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
Morganton's 77th-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 Morganton, see the exposure-zones guide.