Hobson City, AL
How exposed is Hobson City to wildfire?
Hobson City's 382 buildings earn a 76th-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hobson City at the 79th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Hobson City's buildings actually sit
USFS classifies 53.9% of Hobson City's buildings as Direct exposure, higher than its 46.1% Indirect share and far above its 0% Minimal share — a profile where 206 structures sit close enough to vegetation that lot clearing matters most.
How Hobson City compares
Hobson City's risk sits at a similar level relative to Alabama (61st percentile statewide) as it does nationally (76th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Hobson City ranks 7,677 for wildfire risk (1 is highest) and 19,585 by building count (1 is largest). Within Alabama alone, it ranks 229 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
Hobson City's high rating (76th 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.
Hardening a home in Hobson City
Hobson City's 53.9% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Hobson City's figures come from
Hobson City's 76th-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 Hobson City's dominant direct exposure actually means, with real examples from across the dataset.