Choccolocco, AL
How exposed is Choccolocco to wildfire?
USFS's Wildfire Risk to Communities model puts Choccolocco at the 86th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 1,410 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Choccolocco at the 88th percentile, close to its 86th-percentile risk score.
What "at risk" means for the buildings here
Of Choccolocco's 1,410 counted buildings, 96.2% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Choccolocco ranks
Choccolocco scores 86th nationally and 89th within Alabama — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Choccolocco ranks 4,556 for wildfire risk (1 is highest) and 9,585 by building count (1 is largest). Within Alabama alone, it ranks 63 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Choccolocco and the insurance market
Choccolocco's 86th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
With 96.2% of Choccolocco in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Choccolocco's figures come from
The methodology guide shows exactly how USFS turned 1,410 counted buildings into the percentiles shown above for Choccolocco. The exposure-zones guide covers what Choccolocco's dominant direct exposure actually means, with real examples from across the dataset.