Wilmington Island, GA
How exposed is Wilmington Island to wildfire?
USFS scores Wilmington Island at the 89th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 6,054 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Wilmington Island at the 81st national percentile — 8 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Wilmington Island's buildings actually sit
Of Wilmington Island's 6,054 counted buildings, 65.2% carry Direct exposure and only 34.6% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first. At 6,054 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Wilmington Island compares
Wilmington Island scores 89th nationally and 98th 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, Wilmington Island ranks 3,467 for wildfire risk (1 is highest) and 2,857 by building count (1 is largest). Within Georgia alone, it ranks 12 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
Wilmington Island's very high rating (89th 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.
Hardening a home in Wilmington Island
Because Direct exposure dominates in Wilmington Island (65.2%), 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
Wilmington Island's 89th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Wilmington Island, see the exposure-zones guide.