Clayhatchee, AL
Clayhatchee, AL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Clayhatchee at the 49th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 452 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Clayhatchee's burn probability — fire likelihood with no building count factored in — sits at the 49th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 88.9% of Clayhatchee's buildings as Direct exposure, higher than its 11.1% Indirect share and far above its 0% Minimal share — a profile where 402 structures sit close enough to vegetation that lot clearing matters most.
Where Clayhatchee ranks
Clayhatchee ranks lower within Alabama (6th percentile statewide) than its 49th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Clayhatchee ranks 16,219 for wildfire risk (1 is highest) and 18,233 by building count (1 is largest). Within Alabama alone, it ranks 557 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
What this risk score means for insurance
Clayhatchee's elevated wildfire rating (49th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Clayhatchee's 88.9% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 452 counted buildings into the percentiles shown above for Clayhatchee. For more on what direct exposure implies beyond Clayhatchee, see the exposure-zones guide.