Lockhart, AL
Lockhart wildfire risk explained
Lockhart sits at the 77th 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 347 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lockhart at the 77th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Lockhart's buildings actually sit
347 buildings are counted in Lockhart, and 84.7% 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.
Lockhart against the rest of the country
There's little gap between Lockhart's 77th national percentile and its 67th percentile inside Alabama, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Lockhart ranks 7,332 for wildfire risk (1 is highest) and 20,385 by building count (1 is largest). Within Alabama alone, it ranks 199 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
Lockhart's 77th-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.
Lowering exposure, not just insuring around it
Lockhart's 84.7% 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 Lockhart's figures come from
Every one of the two percentiles behind Lockhart's 7,332-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lockhart's dominant direct exposure actually means, with real examples from across the dataset.