Hackleburg, AL
Hackleburg wildfire risk explained
USFS's Wildfire Risk to Communities model puts Hackleburg at the 64th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 1,247 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 Hackleburg at the 67th percentile, close to its 64th-percentile risk score.
Hackleburg's building exposure, zone by zone
81.4% of Hackleburg's 1,247 buildings sit in USFS's Direct exposure zone, roughly 1,015 structures close enough to burnable vegetation for flame contact, not just embers — 18.6% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Hackleburg ranks
Hackleburg's 64th national percentile looks worse in isolation than its 34th ranking inside Alabama does — this place is on the milder end for its own state, by 31 points. Among the 31,521 US communities USFS scores, Hackleburg ranks 11,209 for wildfire risk (1 is highest) and 10,361 by building count (1 is largest). Within Alabama alone, it ranks 393 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Hackleburg and the insurance market
Hackleburg's 64th-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
Because Direct exposure dominates in Hackleburg (81.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Hackleburg's figures come from
The methodology guide shows exactly how USFS turned 1,247 counted buildings into the percentiles shown above for Hackleburg. The exposure-zones guide covers what Hackleburg's dominant direct exposure actually means, with real examples from across the dataset.