Summerville, GA
Summerville, GA's wildfire risk, in USFS's own numbers
USFS scores Summerville at the 78th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 2,447 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Summerville's burn probability — fire likelihood with no building count factored in — sits at the 82nd percentile nationally.
Summerville's building exposure, zone by zone
USFS puts 57% of Summerville's 2,447 buildings in the Indirect exposure zone, versus 43% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Summerville against the rest of the country
Summerville scores 78th nationally and 89th 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, Summerville ranks 6,805 for wildfire risk (1 is highest) and 6,403 by building count (1 is largest). Within Georgia alone, it ranks 74 of 669 places by risk. See the full county-by-county picture for Georgia on its state page.
What this risk score means for insurance
Summerville's 78th-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
Because 57% of Summerville's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Summerville's figures come from
The methodology guide shows exactly how USFS turned 2,447 counted buildings into the percentiles shown above for Summerville. The exposure-zones guide covers what Summerville's dominant indirect exposure actually means, with real examples from across the dataset.