Rock Creek, AL
Rock Creek, AL's wildfire risk, in USFS's own numbers
Rock Creek's 921 buildings earn a 75th-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Rock Creek at the 78th 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
Direct exposure dominates in Rock Creek: 89.1% of its 921 buildings, versus 10.9% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Rock Creek ranks
Rock Creek ranks lower within Alabama (58th percentile statewide) than its 75th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Rock Creek ranks 7,929 for wildfire risk (1 is highest) and 12,544 by building count (1 is largest). Within Alabama alone, it ranks 247 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
Rock Creek's 75th-percentile, 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 Rock Creek
Rock Creek's 89.1% 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 Rock Creek's figures come from
Rock Creek's 75th-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 Rock Creek's dominant direct exposure actually means, with real examples from across the dataset.