Odum, GA
Odum wildfire risk explained
Odum sits at the 67th 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 387 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Odum at the 67th percentile, close to its 67th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 60.7% of Odum's buildings as Direct exposure, higher than its 39.3% Indirect share and far above its 0% Minimal share — a profile where 235 structures sit close enough to vegetation that lot clearing matters most.
Odum against the rest of the country
Odum scores 67th nationally and 55th 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, Odum ranks 10,331 for wildfire risk (1 is highest) and 19,462 by building count (1 is largest). Within Georgia alone, it ranks 305 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
Odum's 67th-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.
What would actually reduce this score
Odum's 60.7% 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 Odum's figures come from
The methodology guide shows exactly how USFS turned 387 counted buildings into the percentiles shown above for Odum. The exposure-zones guide covers what Odum's dominant direct exposure actually means, with real examples from across the dataset.