Crossville, AL
Crossville wildfire risk explained
USFS's Wildfire Risk to Communities model puts Crossville at the 81st national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 1,241 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 Crossville at the 86th percentile, close to its 81st-percentile risk score.
Crossville's building exposure, zone by zone
USFS classifies 77.6% of Crossville's buildings as Direct exposure, higher than its 22.4% Indirect share and far above its 0% Minimal share — a profile where 963 structures sit close enough to vegetation that lot clearing matters most.
Where Crossville ranks
Crossville's risk sits at a similar level relative to Alabama (78th percentile statewide) as it does nationally (81st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Crossville ranks 6,038 for wildfire risk (1 is highest) and 10,395 by building count (1 is largest). Within Alabama alone, it ranks 132 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Crossville and the insurance market
Crossville's very high rating (81st percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Crossville (77.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Crossville's figures come from
Crossville's 81st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Crossville's dominant direct exposure actually means, with real examples from across the dataset.