Evergreen, AL
Evergreen wildfire risk explained
Evergreen sits at the 77th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 2,240 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Evergreen's burn probability — fire likelihood with no building count factored in — sits at the 79th percentile nationally.
What "at risk" means for the buildings here
84.8% of Evergreen's 2,240 buildings sit in USFS's Direct exposure zone, roughly 1,899 structures close enough to burnable vegetation for flame contact, not just embers — 15.2% fall in the Indirect, ember-only zone and 0% are Minimal.
Evergreen against the rest of the country
There's little gap between Evergreen's 77th national percentile and its 68th percentile inside Alabama, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Evergreen ranks 7,204 for wildfire risk (1 is highest) and 6,836 by building count (1 is largest). Within Alabama alone, it ranks 190 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
Evergreen's 77th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Evergreen's 84.8% 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 Evergreen's figures come from
The methodology guide shows exactly how USFS turned 2,240 counted buildings into the percentiles shown above for Evergreen. The exposure-zones guide covers what Evergreen's dominant direct exposure actually means, with real examples from across the dataset.