Whitesburg, GA
How exposed is Whitesburg to wildfire?
Whitesburg sits at the 76th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 399 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Whitesburg at the 79th percentile, close to its 76th-percentile risk score.
Where Whitesburg's buildings actually sit
399 buildings are counted in Whitesburg, and 87% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Whitesburg against the rest of the country
Whitesburg's risk sits at a similar level relative to Georgia (83rd percentile statewide) as it does nationally (76th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Whitesburg ranks 7,590 for wildfire risk (1 is highest) and 19,224 by building count (1 is largest). Within Georgia alone, it ranks 113 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
Whitesburg's high rating (76th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Whitesburg (87%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Whitesburg's figures come from
The methodology guide shows exactly how USFS turned 399 counted buildings into the percentiles shown above for Whitesburg. The exposure-zones guide covers what Whitesburg's dominant direct exposure actually means, with real examples from across the dataset.