St. Simons, GA
St. Simons, GA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts St. Simons at the 94th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 7,980 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. Simons at the 88th percentile, close to its 94th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in St. Simons: 60.7% of its 7,980 buildings, versus 35.6% Indirect and 3.7% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap. At 7,980 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. Simons ranks
St. Simons scores 94th nationally and 100th 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, St. Simons ranks 2,041 for wildfire risk (1 is highest) and 2,120 by building count (1 is largest). Within Georgia alone, it ranks 4 of 669 places by risk. See the full county-by-county picture for Georgia on its state page.
Shopping for coverage in St. Simons
At the 94th percentile nationally, St. Simons carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
With 60.7% of St. Simons 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.
More on how this number was built
Every one of the two percentiles behind St. Simons's 2,041-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond St. Simons, see the exposure-zones guide.