Jacksonville, AL
Jacksonville, AL's wildfire risk, in USFS's own numbers
USFS scores Jacksonville at the 84th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 4,769 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Jacksonville at the 87th percentile, close to its 84th-percentile risk score.
Jacksonville's building exposure, zone by zone
USFS puts 65.1% of Jacksonville's 4,769 buildings in the Indirect exposure zone, versus 34.9% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Jacksonville ranks
Jacksonville's risk sits at a similar level relative to Alabama (87th percentile statewide) as it does nationally (84th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Jacksonville ranks 4,967 for wildfire risk (1 is highest) and 3,578 by building count (1 is largest). Within Alabama alone, it ranks 80 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Shopping for coverage in Jacksonville
Jacksonville's very high rating (84th 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.
Lowering exposure, not just insuring around it
Jacksonville's 65.1% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Jacksonville's figures come from
The methodology guide shows exactly how USFS turned 4,769 counted buildings into the percentiles shown above for Jacksonville. The exposure-zones guide covers what Jacksonville's dominant indirect exposure actually means, with real examples from across the dataset.