Susan Moore, AL
Susan Moore wildfire risk explained
Susan Moore's 620 buildings earn a 73rd-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 Susan Moore at the 78th national percentile — 5 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Susan Moore's buildings actually sit
94.5% of Susan Moore's 620 buildings sit in USFS's Direct exposure zone, roughly 586 structures close enough to burnable vegetation for flame contact, not just embers — 5.5% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Susan Moore ranks
Susan Moore ranks lower within Alabama (54th percentile statewide) than its 73rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Susan Moore ranks 8,497 for wildfire risk (1 is highest) and 15,552 by building count (1 is largest). Within Alabama alone, it ranks 273 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
Susan Moore's 73rd-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.
Lowering exposure, not just insuring around it
Susan Moore's 94.5% 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 Susan Moore's figures come from
Every one of the two percentiles behind Susan Moore's 8,497-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Susan Moore's dominant direct exposure actually means, with real examples from across the dataset.