Ohatchee, AL
Ohatchee, AL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Ohatchee lands at the 83rd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 826 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ohatchee at the 86th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Ohatchee's buildings actually sit
826 buildings are counted in Ohatchee, and 83.9% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 5.5% rated Minimal.
Ohatchee against the rest of the country
Ohatchee's risk sits at a similar level relative to Alabama (83rd percentile statewide) as it does nationally (83rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Ohatchee ranks 5,502 for wildfire risk (1 is highest) and 13,385 by building count (1 is largest). Within Alabama alone, it ranks 100 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Ohatchee and the insurance market
At the 83rd percentile nationally, Ohatchee 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.
Lowering exposure, not just insuring around it
With 83.9% of Ohatchee 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.
Where Ohatchee's figures come from
The methodology guide shows exactly how USFS turned 826 counted buildings into the percentiles shown above for Ohatchee. The exposure-zones guide covers what Ohatchee's dominant direct exposure actually means, with real examples from across the dataset.