Horn Hill, AL
Horn Hill wildfire risk explained
Horn Hill sits at the 71st percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 233 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Horn Hill at the 73rd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Horn Hill's buildings actually sit
Direct exposure dominates in Horn Hill: 100% of its 233 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Horn Hill against the rest of the country
Horn Hill ranks lower within Alabama (50th percentile statewide) than its 71st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Horn Hill ranks 9,002 for wildfire risk (1 is highest) and 23,693 by building count (1 is largest). Within Alabama alone, it ranks 297 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
Horn Hill's 71st-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.
Hardening a home in Horn Hill
Horn Hill's 100% 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.
More on how this number was built
Every one of the two percentiles behind Horn Hill's 9,002-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Horn Hill, see the exposure-zones guide.