Moody, AL
How exposed is Moody to wildfire?
USFS's Wildfire Risk to Communities model puts Moody at the 77th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 6,096 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Moody's burn probability — fire likelihood with no building count factored in — sits at the 79th percentile nationally.
Moody's building exposure, zone by zone
Direct exposure dominates in Moody: 58.8% of its 6,096 buildings, versus 41.2% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap. At 6,096 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Moody compares
Moody's risk sits at a similar level relative to Alabama (65th percentile statewide) as it does nationally (77th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Moody ranks 7,395 for wildfire risk (1 is highest) and 2,842 by building count (1 is largest). Within Alabama alone, it ranks 207 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Shopping for coverage in Moody
At the 77th percentile nationally, Moody 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.
Hardening a home in Moody
With 58.8% of Moody 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.
More on how this number was built
Every one of the two percentiles behind Moody's 7,395-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Moody, see the exposure-zones guide.