Ozark, AL
How exposed is Ozark to wildfire?
Out of every US place USFS scores, Ozark lands at the 51st percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 7,781 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ozark at the 51st national percentile — 1 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
USFS classifies 73.3% of Ozark's buildings as Direct exposure, higher than its 26.6% Indirect share and far above its 0.1% Minimal share — a profile where 5,704 structures sit close enough to vegetation that lot clearing matters most. At 7,781 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Ozark ranks
Ozark ranks lower within Alabama (7th percentile statewide) than its 51st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Ozark ranks 15,588 for wildfire risk (1 is highest) and 2,187 by building count (1 is largest). Within Alabama alone, it ranks 552 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
Ozark's elevated wildfire rating (51st 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.
What would actually reduce this score
Ozark's 73.3% 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 Ozark's figures come from
The methodology guide shows exactly how USFS turned 7,781 counted buildings into the percentiles shown above for Ozark. The exposure-zones guide covers what Ozark's dominant direct exposure actually means, with real examples from across the dataset.