Camden, AL
Camden wildfire risk explained
Camden sits at the 59th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,126 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Camden at the 60th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Camden's building exposure, zone by zone
74.8% of Camden's 1,126 buildings sit in USFS's Direct exposure zone, roughly 842 structures close enough to burnable vegetation for flame contact, not just embers — 25.2% fall in the Indirect, ember-only zone and 0% are Minimal.
Camden against the rest of the country
Inside Alabama, Camden sits at just the 23rd percentile even though it scores 59th 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, Camden ranks 12,972 for wildfire risk (1 is highest) and 11,107 by building count (1 is largest). Within Alabama alone, it ranks 457 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
Camden's elevated rating (59th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Camden's 74.8% 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 Camden's figures come from
Camden's 59th-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 Camden's dominant direct exposure actually means, with real examples from across the dataset.