Bay Minette, AL
Bay Minette, AL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Bay Minette lands at the 88th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 3,585 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bay Minette at the 90th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Bay Minette's building exposure, zone by zone
Of Bay Minette's 3,585 counted buildings, 54.8% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Bay Minette against the rest of the country
There's little gap between Bay Minette's 88th national percentile and its 94th percentile inside Alabama, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Bay Minette ranks 3,737 for wildfire risk (1 is highest) and 4,674 by building count (1 is largest). Within Alabama alone, it ranks 36 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Shopping for coverage in Bay Minette
Bay Minette's very high rating (88th 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
Bay Minette's 54.8% 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 Bay Minette's figures come from
Bay Minette's 88th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Bay Minette's dominant direct exposure actually means, with real examples from across the dataset.