Oliver, GA
Oliver, GA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Oliver at the 64th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 173 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oliver's burn probability — fire likelihood with no building count factored in — sits at the 64th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 86.7% of Oliver's buildings as Direct exposure, higher than its 13.3% Indirect share and far above its 0% Minimal share — a profile where 150 structures sit close enough to vegetation that lot clearing matters most.
Where Oliver ranks
Oliver ranks lower within Georgia (34th percentile statewide) than its 64th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Oliver ranks 11,467 for wildfire risk (1 is highest) and 25,887 by building count (1 is largest). Within Georgia alone, it ranks 441 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
Oliver's 64th-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
With 86.7% of Oliver in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Oliver's 64th-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 Oliver, see the exposure-zones guide.