Fairhope, AL
Fairhope wildfire risk explained
Fairhope sits at the 83rd percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 8,995 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fairhope's burn probability — fire likelihood with no building count factored in — sits at the 85th percentile nationally.
Where Fairhope's buildings actually sit
Of Fairhope's 8,995 counted buildings, 52.9% carry Direct exposure and only 16.3% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first. At 8,995 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Fairhope against the rest of the country
Fairhope's risk sits at a similar level relative to Alabama (85th percentile statewide) as it does nationally (83rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Fairhope ranks 5,281 for wildfire risk (1 is highest) and 1,844 by building count (1 is largest). Within Alabama alone, it ranks 92 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Shopping for coverage in Fairhope
At the 83rd percentile nationally, Fairhope carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Fairhope's 52.9% 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
Every one of the two percentiles behind Fairhope's 5,281-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Fairhope, see the exposure-zones guide.