Hokes Bluff, AL
How exposed is Hokes Bluff to wildfire?
Out of every US place USFS scores, Hokes Bluff lands at the 83rd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 2,878 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hokes Bluff at the 87th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Hokes Bluff's building exposure, zone by zone
USFS classifies 79.2% of Hokes Bluff's buildings as Direct exposure, higher than its 20.5% Indirect share and far above its 0.3% Minimal share — a profile where 2,280 structures sit close enough to vegetation that lot clearing matters most.
Where Hokes Bluff ranks
Hokes Bluff scores 83rd nationally and 85th within Alabama — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Hokes Bluff ranks 5,250 for wildfire risk (1 is highest) and 5,616 by building count (1 is largest). Within Alabama alone, it ranks 91 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Hokes Bluff and the insurance market
Hokes Bluff's very high rating (83rd 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 Hokes Bluff
With 79.2% of Hokes Bluff in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Hokes Bluff's figures come from
Hokes Bluff's 83rd-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 Hokes Bluff's dominant direct exposure actually means, with real examples from across the dataset.