Georgia wildfire risk
Georgia carries meaningful wildfire hazard without the acute insurance-availability crisis of the western states. This page covers current fire activity, how the state ranks nationally, and where hazard actually concentrates.
Active fires in Georgia
Georgia's recorded fire history
Federal perimeter records list 123 mapped wildfires in Georgia since 2000. The largest on that record is the West Mims Fire of 2017, which burned 152,528 acres.
| Fire | Year | Area burned |
|---|---|---|
| West Mims Fire | 2017 | 152,528 acres |
| South Cut Fire | 2008 | 2,582 acres |
Recorded history feeds directly into your address score: our model counts mapped burns within 25 miles of a parcel, weighted toward large ones. It is worth knowing the limitation, though — a long record of successful suppression can leave an area reading quiet while fuel accumulates, which is precisely the condition that produces the next large fire.
Where hazard concentrates in Georgia
Wildfire hazard is not spread evenly across a state. These are the 5 counties in Georgia with the highest wildfire risk scores in FEMA's National Risk Index, with the building value each has sitting in exposed areas.
| County | Hazard score | Building exposure |
|---|---|---|
| Chatham County | 92.4 | $9.9B |
| Glynn County | 92.1 | $3.9B |
| McIntosh County | 87.2 | $1.2B |
| Camden County | 84.4 | $2.1B |
| Bryan County | 80.0 | $1.8B |
Chatham County carries the highest score in the state at 92.4. If your address is there, or in any of the counties above, the statewide average understates your situation considerably — which is the reason to check the parcel rather than the state.
How Georgia ranks nationally
FEMA's National Risk Index scores every US county for expected annual wildfire loss. Across Georgia's 159 assessed counties the average wildfire hazard score is 50.7, which places the state 24th of the 50 states. The most exposed county in Georgia scores 92.4.
Against a 50-state average of 52.7, Georgia sits 2.0 points below it. Rank 24 of 50. The National Risk Index blends how often wildfire is expected with how much is standing in the way, so a state can post a moderate score with severe local hazard wherever development has pushed into the wildland-urban interface.
Roughly $292.4B of building value sits inside Georgia's wildfire-exposed areas. That figure is what drives carrier behaviour: insurers manage concentration of exposure, so a state can have modest average hazard and still see availability problems wherever that value clusters in the wildland-urban interface.
Georgia wildfire season
Georgia has a different pattern from the western states: fire activity concentrates in the drier winter and spring months rather than high summer, and a large share of recorded burns are prescribed fire rather than wildfire.
Insurance in Georgia
Georgia operates a FAIR Plan or equivalent residual market. Average hazard across the state is moderate, so most homeowners remain in the standard admitted market — but that is a statewide average, and parcels in the wildland-urban interface can face declinations regardless of the state picture.
Residual-market availability and the rules governing it change. Confirm the current position with the Georgia Department of Insurance before you rely on it.
Whatever the market looks like in your area, the sequence is the same: document mitigation before your renewal date, work with an independent broker who can access surplus lines, and ask directly whether the carrier credits wildfire mitigation. The full fire insurance guide covers non-renewal, FAIR Plans and difference-in-conditions wraps in detail.
Lowering your risk in Georgia
The two changes with the best return anywhere in the country are clearing the first five feet around the structure to non-combustible material, and screening vents against ember entry. Both are cheap, both address the mechanism that destroys most homes, and both are visible to an underwriter if you photograph and invoice them. What qualifies and how to document it.