Recent advances in vision-language models (VLMs) have enabled accurate image-based geolocation, raising serious concerns about location privacy risks in everyday social media posts. Yet, a systematic evaluation of such risks is still lacking: existing benchmarks show coarse granularity, linguistic bias, and a neglect of multimodal privacy risks. To address these gaps, we introduce KoreaGEO, the first fine-grained, multimodal, and privacy-aware benchmark for geolocation, built on Korean street views. The benchmark covers four socio-spatial clusters and nine place types with rich contextual annotations and two captioning styles that simulate real-world privacy exposure. To evaluate mainstream VLMs, we design a three-path protocol spanning image-only, functional-caption, and high-risk-caption inputs, enabling systematic analysis of localization accuracy, spatial bias, and reasoning behavior. Results show that input modality exerts a stronger influence on localization precision and privacy exposure than model scale or architecture, with high-risk captions substantially boosting accuracy. Moreover, they highlight structural prediction biases toward core cities.

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