Town Creek, AL
Town Creek wildfire risk explained
Town Creek sits at the 39th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 685 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Town Creek at the 41st percentile, close to its 39th-percentile risk score.
Town Creek's building exposure, zone by zone
USFS classifies 45.6% of Town Creek's buildings as Direct exposure, higher than its 13.6% Indirect share and far above its 40.9% Minimal share — a profile where 312 structures sit close enough to vegetation that lot clearing matters most.
Where Town Creek ranks
Inside Alabama, Town Creek sits at just the 3rd percentile even though it scores 39th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Town Creek ranks 19,308 for wildfire risk (1 is highest) and 14,813 by building count (1 is largest). Within Alabama alone, it ranks 572 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
Town Creek's moderate rating (39th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Town Creek
With 45.6% of Town Creek 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 Town Creek's figures come from
Every one of the two percentiles behind Town Creek's 19,308-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Town Creek's dominant direct exposure actually means, with real examples from across the dataset.