Palmetto, GA
How exposed is Palmetto to wildfire?
USFS's Wildfire Risk to Communities model puts Palmetto at the 66th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 2,133 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Palmetto at the 69th percentile, close to its 66th-percentile risk score.
What "at risk" means for the buildings here
66.3% of Palmetto's 2,133 buildings sit in USFS's Direct exposure zone, roughly 1,414 structures close enough to burnable vegetation for flame contact, not just embers — 33.7% fall in the Indirect, ember-only zone and 0% are Minimal.
How Palmetto compares
Inside Georgia, Palmetto sits at just the 50th percentile even though it scores 66th 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, Palmetto ranks 10,614 for wildfire risk (1 is highest) and 7,108 by building count (1 is largest). Within Georgia alone, it ranks 336 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
Palmetto's high rating (66th 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
With 66.3% of Palmetto 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.
Where Palmetto's figures come from
Palmetto's 66th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Palmetto's dominant direct exposure actually means, with real examples from across the dataset.