Cuba, AL
How exposed is Cuba to wildfire?
Cuba 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 345 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cuba at the 61st percentile, close to its 59th-percentile risk score.
Where Cuba's buildings actually sit
Direct exposure dominates in Cuba: 82.3% of its 345 buildings, versus 17.7% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Cuba against the rest of the country
Cuba ranks lower within Alabama (25th percentile statewide) than its 59th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Cuba ranks 12,784 for wildfire risk (1 is highest) and 20,440 by building count (1 is largest). Within Alabama alone, it ranks 447 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
Cuba's elevated wildfire rating (59th 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.
What would actually reduce this score
Cuba's 82.3% 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 345 counted buildings into the percentiles shown above for Cuba. For more on what direct exposure implies beyond Cuba, see the exposure-zones guide.