Loxley, AL
How exposed is Loxley to wildfire?
USFS scores Loxley at the 87th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,431 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 Loxley at the 89th percentile, close to its 87th-percentile risk score.
Where Loxley's buildings actually sit
Of Loxley's 1,431 counted buildings, 52.6% carry Direct exposure and only 0.1% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Loxley compares
There's little gap between Loxley's 87th national percentile and its 92nd percentile inside Alabama, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Loxley ranks 3,989 for wildfire risk (1 is highest) and 9,469 by building count (1 is largest). Within Alabama alone, it ranks 47 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Shopping for coverage in Loxley
At the 87th percentile nationally, Loxley carries the very 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.
What would actually reduce this score
With 52.6% of Loxley 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 Loxley's figures come from
Every one of the two percentiles behind Loxley's 3,989-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Loxley's dominant direct exposure actually means, with real examples from across the dataset.