Clio, AL
How exposed is Clio to wildfire?
Clio's 665 buildings earn a 61st-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Clio at the 63rd percentile, close to its 61st-percentile risk score.
What "at risk" means for the buildings here
665 buildings are counted in Clio, and 85% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Clio against the rest of the country
Inside Alabama, Clio sits at just the 28th percentile even though it scores 61st nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Clio ranks 12,279 for wildfire risk (1 is highest) and 15,008 by building count (1 is largest). Within Alabama alone, it ranks 424 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
Clio's 61st-percentile, 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 85% of Clio 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 Clio's figures come from
The methodology guide shows exactly how USFS turned 665 counted buildings into the percentiles shown above for Clio. The exposure-zones guide covers what Clio's dominant direct exposure actually means, with real examples from across the dataset.