Pine Lake, GA
How exposed is Pine Lake to wildfire?
Out of every US place USFS scores, Pine Lake lands at the 47th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 332 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Pine Lake at the 49th percentile, close to its 47th-percentile risk score.
Pine Lake's building exposure, zone by zone
71.7% of Pine Lake's 332 buildings sit in USFS's Direct exposure zone, roughly 238 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 28.3% are Minimal.
Where Pine Lake ranks
Pine Lake ranks lower within Georgia (2nd percentile statewide) than its 47th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Pine Lake ranks 16,821 for wildfire risk (1 is highest) and 20,753 by building count (1 is largest). Within Georgia alone, it ranks 655 of 669 places by risk. See the full county-by-county picture for Georgia on its state page.
Pine Lake and the insurance market
Pine Lake's elevated wildfire rating (47th 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.
Hardening a home in Pine Lake
Pine Lake's 71.7% 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 Pine Lake's figures come from
Pine Lake's 47th-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 Pine Lake's dominant direct exposure actually means, with real examples from across the dataset.