Whitemarsh Island, GA
How exposed is Whitemarsh Island to wildfire?
Out of every US place USFS scores, Whitemarsh Island lands at the 90th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 2,763 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Whitemarsh Island at the 83rd percentile, close to its 90th-percentile risk score.
Whitemarsh Island's building exposure, zone by zone
Of Whitemarsh Island's 2,763 counted buildings, 59.2% carry Direct exposure and only 7.2% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Whitemarsh Island ranks
Whitemarsh 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, Whitemarsh Island ranks 3,241 for wildfire risk (1 is highest) and 5,833 by building count (1 is largest). Within Georgia alone, it ranks 10 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
At the 90th percentile nationally, Whitemarsh Island 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
Because Direct exposure dominates in Whitemarsh Island (59.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Whitemarsh Island's figures come from
Every one of the two percentiles behind Whitemarsh Island's 3,241-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Whitemarsh Island's dominant direct exposure actually means, with real examples from across the dataset.