Summertown, GA
Summertown, GA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Summertown lands at the 69th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 98 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Summertown at the 69th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Summertown's buildings actually sit
99% of Summertown's 98 buildings sit in USFS's Direct exposure zone, roughly 97 structures close enough to burnable vegetation for flame contact, not just embers — 1% fall in the Indirect, ember-only zone and 0% are Minimal.
Summertown against the rest of the country
There's little gap between Summertown's 69th national percentile and its 63rd percentile inside Georgia, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Summertown ranks 9,669 for wildfire risk (1 is highest) and 29,115 by building count (1 is largest). Within Georgia alone, it ranks 251 of 669 places by risk. See the full county-by-county picture for Georgia on its state page.
Summertown and the insurance market
Summertown's 69th-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
With 99% of Summertown 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
The methodology guide shows exactly how USFS turned 98 counted buildings into the percentiles shown above for Summertown. For more on what direct exposure implies beyond Summertown, see the exposure-zones guide.