Mooresville, AL
Mooresville wildfire risk explained
Mooresville sits at the 24th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 52 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Mooresville at the 25th percentile, close to its 24th-percentile risk score.
Mooresville's building exposure, zone by zone
Of Mooresville's 52 counted buildings, 86.5% carry Direct exposure and only 13.5% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Mooresville ranks
Mooresville ranks lower within Alabama (1st percentile statewide) than its 24th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Mooresville ranks 23,972 for wildfire risk (1 is highest) and 30,864 by building count (1 is largest). Within Alabama alone, it ranks 586 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
Mooresville's moderate wildfire rating (24th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Mooresville (86.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Mooresville's figures come from
The methodology guide shows exactly how USFS turned 52 counted buildings into the percentiles shown above for Mooresville. The exposure-zones guide covers what Mooresville's dominant direct exposure actually means, with real examples from across the dataset.