Cullman, AL
How exposed is Cullman to wildfire?
Out of every US place USFS scores, Cullman lands at the 68th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 8,307 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cullman's burn probability — fire likelihood with no building count factored in — sits at the 72nd percentile nationally.
What "at risk" means for the buildings here
45.7% of Cullman's 8,307 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 25.6% Direct and 28.8% Minimal. Vent screens and roofing material matter more here than lot clearing alone. At 8,307 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Cullman against the rest of the country
Inside Alabama, Cullman sits at just the 41st percentile even though it scores 68th 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, Cullman ranks 10,230 for wildfire risk (1 is highest) and 2,005 by building count (1 is largest). Within Alabama alone, it ranks 351 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Cullman and the insurance market
Cullman's high rating (68th 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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Cullman (45.7% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Cullman's 68th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Cullman, see the exposure-zones guide.