Arley, AL
Arley, AL's wildfire risk, in USFS's own numbers
USFS scores Arley at the 77th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 363 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Arley at the 81st national percentile — 4 points above its risk-to-structures score, a gap driven by how much is actually built there.
Arley's building exposure, zone by zone
363 buildings are counted in Arley, and 92.3% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Arley ranks
Arley's risk sits at a similar level relative to Alabama (66th percentile statewide) as it does nationally (77th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Arley ranks 7,330 for wildfire risk (1 is highest) and 19,996 by building count (1 is largest). Within Alabama alone, it ranks 197 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Shopping for coverage in Arley
At the 77th percentile nationally, Arley carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Arley's 92.3% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 363 counted buildings into the percentiles shown above for Arley. For more on what direct exposure implies beyond Arley, see the exposure-zones guide.