Oak Hill, AL
How exposed is Oak Hill to wildfire?
Oak Hill's 45 buildings earn a 60th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oak Hill's burn probability — fire likelihood with no building count factored in — sits at the 61st percentile nationally.
Where Oak Hill's buildings actually sit
100% of Oak Hill's 45 buildings sit in USFS's Direct exposure zone, roughly 45 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Oak Hill against the rest of the country
Inside Alabama, Oak Hill sits at just the 26th percentile even though it scores 60th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Oak Hill ranks 12,564 for wildfire risk (1 is highest) and 31,038 by building count (1 is largest). Within Alabama alone, it ranks 436 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Shopping for coverage in Oak Hill
Oak Hill's high rating (60th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Because Direct exposure dominates in Oak Hill (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Oak Hill's figures come from
Oak Hill's 60th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Oak Hill's dominant direct exposure actually means, with real examples from across the dataset.