Coker, AL
How exposed is Coker to wildfire?
Coker sits at the 59th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 549 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Coker's burn probability — fire likelihood with no building count factored in — sits at the 61st percentile nationally.
Coker's building exposure, zone by zone
USFS classifies 82.5% of Coker's buildings as Direct exposure, higher than its 17.5% Indirect share and far above its 0% Minimal share — a profile where 453 structures sit close enough to vegetation that lot clearing matters most.
Coker against the rest of the country
Coker's 59th national percentile looks worse in isolation than its 24th ranking inside Alabama does — this place is on the milder end for its own state, by 36 points. Among the 31,521 US communities USFS scores, Coker ranks 12,846 for wildfire risk (1 is highest) and 16,576 by building count (1 is largest). Within Alabama alone, it ranks 451 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
At the 59th national percentile, Coker rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 82.5% of Coker 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 549 counted buildings into the percentiles shown above for Coker. For more on what direct exposure implies beyond Coker, see the exposure-zones guide.