Locust Fork, AL
Locust Fork, AL's wildfire risk, in USFS's own numbers
Locust Fork's 753 buildings earn a 75th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Locust Fork's burn probability — fire likelihood with no building count factored in — sits at the 79th percentile nationally.
Locust Fork's building exposure, zone by zone
Direct exposure dominates in Locust Fork: 89.9% of its 753 buildings, versus 10.1% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Locust Fork against the rest of the country
There's little gap between Locust Fork's 75th national percentile and its 61st percentile inside Alabama, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Locust Fork ranks 7,743 for wildfire risk (1 is highest) and 14,088 by building count (1 is largest). Within Alabama alone, it ranks 234 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Shopping for coverage in Locust Fork
At the 75th percentile nationally, Locust Fork carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Locust Fork (89.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Locust Fork's 7,743-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Locust Fork, see the exposure-zones guide.