Talahi Island, GA
Talahi Island wildfire risk explained
USFS scores Talahi Island at the 90th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 771 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Talahi Island at the 83rd percentile, close to its 90th-percentile risk score.
Talahi Island's building exposure, zone by zone
USFS classifies 97% of Talahi Island's buildings as Direct exposure, higher than its 1.2% Indirect share and far above its 1.8% Minimal share — a profile where 748 structures sit close enough to vegetation that lot clearing matters most.
How Talahi Island compares
Talahi Island's risk sits at a similar level relative to Georgia (99th percentile statewide) as it does nationally (90th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Talahi Island ranks 3,080 for wildfire risk (1 is highest) and 13,909 by building count (1 is largest). Within Georgia alone, it ranks 9 of 669 places by risk. See the full county-by-county picture for Georgia on its state page.
Talahi Island and the insurance market
Talahi Island's 90th-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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Talahi Island (97%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Talahi Island's 3,080-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Talahi Island, see the exposure-zones guide.