Sumner, GA
Sumner wildfire risk explained
USFS scores Sumner at the 60th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 270 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Sumner's burn probability — fire likelihood with no building count factored in — sits at the 59th percentile nationally.
Where Sumner's buildings actually sit
74.8% of Sumner's 270 buildings sit in USFS's Direct exposure zone, roughly 202 structures close enough to burnable vegetation for flame contact, not just embers — 25.2% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Sumner ranks
Inside Georgia, Sumner sits at just the 20th percentile even though it scores 60th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Sumner ranks 12,504 for wildfire risk (1 is highest) and 22,496 by building count (1 is largest). Within Georgia alone, it ranks 537 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
Sumner's 60th-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 74.8% of Sumner 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 Sumner's 12,504-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Sumner, see the exposure-zones guide.