Talladega Springs, AL
Talladega Springs, AL's wildfire risk, in USFS's own numbers
USFS scores Talladega Springs at the 80th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 115 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Talladega Springs at the 83rd percentile, close to its 80th-percentile risk score.
Where Talladega Springs's buildings actually sit
USFS classifies 100% of Talladega Springs's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 115 structures sit close enough to vegetation that lot clearing matters most.
Where Talladega Springs ranks
Talladega Springs scores 80th nationally and 76th 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, Talladega Springs ranks 6,259 for wildfire risk (1 is highest) and 28,395 by building count (1 is largest). Within Alabama alone, it ranks 146 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
Talladega Springs's very high rating (80th 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.
What would actually reduce this score
With 100% of Talladega Springs 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 Talladega Springs's figures come from
The methodology guide shows exactly how USFS turned 115 counted buildings into the percentiles shown above for Talladega Springs. The exposure-zones guide covers what Talladega Springs's dominant direct exposure actually means, with real examples from across the dataset.