Loachapoka, AL
Loachapoka, AL's wildfire risk, in USFS's own numbers
Loachapoka's 174 buildings earn a 84th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Loachapoka at the 86th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Loachapoka's building exposure, zone by zone
174 buildings are counted in Loachapoka, and 89.1% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Loachapoka against the rest of the country
Loachapoka's risk sits at a similar level relative to Alabama (85th 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, Loachapoka ranks 5,157 for wildfire risk (1 is highest) and 25,844 by building count (1 is largest). Within Alabama alone, it ranks 87 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Loachapoka and the insurance market
Loachapoka'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
With 89.1% of Loachapoka 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 Loachapoka's figures come from
Every one of the two percentiles behind Loachapoka's 5,157-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Loachapoka's dominant direct exposure actually means, with real examples from across the dataset.