Phillipsburg, GA
Phillipsburg wildfire risk explained
USFS scores Phillipsburg at the 55th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 342 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Phillipsburg's burn probability — fire likelihood with no building count factored in — sits at the 55th percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in Phillipsburg (81.6% of 342 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 18.4% sit in the Direct zone.
How Phillipsburg compares
Phillipsburg's 55th national percentile looks worse in isolation than its 12th ranking inside Georgia does — this place is on the milder end for its own state, by 43 points. Among the 31,521 US communities USFS scores, Phillipsburg ranks 14,176 for wildfire risk (1 is highest) and 20,507 by building count (1 is largest). Within Georgia alone, it ranks 591 of 669 places by risk. See the full county-by-county picture for Georgia on its state page.
Phillipsburg and the insurance market
Phillipsburg's elevated wildfire rating (55th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Phillipsburg's 81.6% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Phillipsburg's figures come from
Every one of the two percentiles behind Phillipsburg's 14,176-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Phillipsburg's dominant indirect exposure actually means, with real examples from across the dataset.