Troy, AL
How exposed is Troy to wildfire?
Out of every US place USFS scores, Troy lands at the 58th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 7,804 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Troy at the 60th percentile, close to its 58th-percentile risk score.
Where Troy's buildings actually sit
Indirect exposure is dominant in Troy (50.8% of 7,804 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 49.2% sit in the Direct zone. At 7,804 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Troy ranks
Inside Alabama, Troy sits at just the 20th percentile even though it scores 58th 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, Troy ranks 13,289 for wildfire risk (1 is highest) and 2,180 by building count (1 is largest). Within Alabama alone, it ranks 475 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Shopping for coverage in Troy
Troy's elevated wildfire rating (58th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Because 50.8% of Troy'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.
Where Troy's figures come from
Every one of the two percentiles behind Troy's 13,289-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Troy's dominant indirect exposure actually means, with real examples from across the dataset.