Shoal Creek, AL
Shoal Creek, AL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Shoal Creek at the 77th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 865 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Shoal Creek at the 79th percentile, close to its 77th-percentile risk score.
Where Shoal Creek's buildings actually sit
USFS puts 53.9% of Shoal Creek's 865 buildings in the Indirect exposure zone, versus 46% Direct and 0.1% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Shoal Creek against the rest of the country
Shoal Creek scores 77th nationally and 67th within Alabama — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Shoal Creek ranks 7,298 for wildfire risk (1 is highest) and 13,027 by building count (1 is largest). Within Alabama alone, it ranks 195 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
Shoal Creek's high rating (77th 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.
Hardening a home in Shoal Creek
Because 53.9% of Shoal Creek's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Shoal Creek's 7,298-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Shoal Creek, see the exposure-zones guide.