St. Marys, GA
St. Marys, GA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts St. Marys at the 89th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 7,447 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 St. Marys at the 83rd percentile, close to its 89th-percentile risk score.
What "at risk" means for the buildings here
Of St. Marys's 7,447 counted buildings, 53.9% carry Direct exposure and only 0.5% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first. At 7,447 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where St. Marys ranks
St. Marys's risk sits at a similar level relative to Georgia (99th percentile statewide) as it does nationally (89th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, St. Marys ranks 3,369 for wildfire risk (1 is highest) and 2,293 by building count (1 is largest). Within Georgia alone, it ranks 11 of 669 places by risk. See the full county-by-county picture for Georgia on its state page.
Shopping for coverage in St. Marys
St. Marys's 89th-percentile, very 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.
Hardening a home in St. Marys
St. Marys's 53.9% 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
St. Marys's 89th-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 St. Marys, see the exposure-zones guide.