Movico, AL
Movico, AL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Movico at the 88th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 154 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Movico at the 90th national percentile — 2 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 Movico's 154 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 Movico compares
Movico's risk sits at a similar level relative to Alabama (94th percentile statewide) as it does nationally (88th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Movico ranks 3,738 for wildfire risk (1 is highest) and 26,685 by building count (1 is largest). Within Alabama alone, it ranks 37 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
At the 88th percentile nationally, Movico 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.
Hardening a home in Movico
Movico'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.
More on how this number was built
Every one of the two percentiles behind Movico's 3,738-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Movico, see the exposure-zones guide.