Mount Olive (Coosa), AL
Mount Olive (Coosa) wildfire risk explained
USFS's Wildfire Risk to Communities model puts Mount Olive (Coosa) at the 90th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 199 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Mount Olive (Coosa) at the 93rd national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Of Mount Olive (Coosa)'s 199 counted buildings, 100% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Mount Olive (Coosa) compares
There's little gap between Mount Olive (Coosa)'s 90th national percentile and its 98th percentile inside Alabama, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Mount Olive (Coosa) ranks 3,138 for wildfire risk (1 is highest) and 24,873 by building count (1 is largest). Within Alabama alone, it ranks 11 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
Mount Olive (Coosa)'s 90th-percentile, very 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.
Hardening a home in Mount Olive (Coosa)
Mount Olive (Coosa)'s 100% 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 Mount Olive (Coosa)'s figures come from
The methodology guide shows exactly how USFS turned 199 counted buildings into the percentiles shown above for Mount Olive (Coosa). The exposure-zones guide covers what Mount Olive (Coosa)'s dominant direct exposure actually means, with real examples from across the dataset.