Hodges, AL
How exposed is Hodges to wildfire?
Out of every US place USFS scores, Hodges lands at the 63rd percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 270 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hodges's burn probability — fire likelihood with no building count factored in — sits at the 66th percentile nationally.
Where Hodges's buildings actually sit
USFS classifies 84.4% of Hodges's buildings as Direct exposure, higher than its 15.6% Indirect share and far above its 0% Minimal share — a profile where 228 structures sit close enough to vegetation that lot clearing matters most.
Hodges against the rest of the country
Inside Alabama, Hodges sits at just the 33rd percentile even though it scores 63rd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Hodges ranks 11,555 for wildfire risk (1 is highest) and 22,494 by building count (1 is largest). Within Alabama alone, it ranks 401 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Shopping for coverage in Hodges
At the 63rd percentile nationally, Hodges carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Hodges's 84.4% 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 Hodges's figures come from
Hodges's 63rd-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 Hodges's dominant direct exposure actually means, with real examples from across the dataset.