Bellamy, AL
Bellamy, AL's wildfire risk, in USFS's own numbers
USFS scores Bellamy at the 56th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 334 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 Bellamy at the 58th percentile, close to its 56th-percentile risk score.
Bellamy's building exposure, zone by zone
Direct exposure dominates in Bellamy: 88% of its 334 buildings, versus 12% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Bellamy ranks
Bellamy's 56th national percentile looks worse in isolation than its 15th ranking inside Alabama does — this place is on the milder end for its own state, by 42 points. Among the 31,521 US communities USFS scores, Bellamy ranks 13,760 for wildfire risk (1 is highest) and 20,715 by building count (1 is largest). Within Alabama alone, it ranks 505 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Bellamy and the insurance market
At the 56th national percentile, Bellamy rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Bellamy's 88% 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 Bellamy's figures come from
Bellamy's 56th-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 Bellamy's dominant direct exposure actually means, with real examples from across the dataset.