Ray City, GA
Ray City, GA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Ray City at the 68th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 531 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ray City at the 68th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 73.8% of Ray City's buildings as Direct exposure, higher than its 26.2% Indirect share and far above its 0% Minimal share — a profile where 392 structures sit close enough to vegetation that lot clearing matters most.
Where Ray City ranks
Ray City scores 68th nationally and 56th 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, Ray City ranks 10,206 for wildfire risk (1 is highest) and 16,846 by building count (1 is largest). Within Georgia alone, it ranks 294 of 669 places by risk. See the full county-by-county picture for Georgia on its state page.
Ray City and the insurance market
Ray City's 68th-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
Ray City's 73.8% 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.
More on how this number was built
Every one of the two percentiles behind Ray City's 10,206-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Ray City, see the exposure-zones guide.