Elkmont, AL
How exposed is Elkmont to wildfire?
USFS's Wildfire Risk to Communities model puts Elkmont at the 35th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 443 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Elkmont's burn probability — fire likelihood with no building count factored in — sits at the 38th percentile nationally.
What "at risk" means for the buildings here
Of Elkmont's 443 counted buildings, 78.3% 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 Elkmont ranks
Elkmont's 35th national percentile looks worse in isolation than its 3rd ranking inside Alabama does — this place is on the milder end for its own state, by 32 points. Among the 31,521 US communities USFS scores, Elkmont ranks 20,474 for wildfire risk (1 is highest) and 18,394 by building count (1 is largest). Within Alabama alone, it ranks 576 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Elkmont and the insurance market
Elkmont's moderate rating (35th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Elkmont (78.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Elkmont's 20,474-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Elkmont, see the exposure-zones guide.