Fruitdale, AL
Fruitdale, AL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Fruitdale lands at the 85th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 183 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Fruitdale at the 87th percentile, close to its 85th-percentile risk score.
What "at risk" means for the buildings here
Of Fruitdale's 183 counted buildings, 95.6% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Fruitdale against the rest of the country
Fruitdale's risk sits at a similar level relative to Alabama (89th percentile statewide) as it does nationally (85th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Fruitdale ranks 4,588 for wildfire risk (1 is highest) and 25,488 by building count (1 is largest). Within Alabama alone, it ranks 67 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
Fruitdale's very high rating (85th 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.
What would actually reduce this score
Because Direct exposure dominates in Fruitdale (95.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Fruitdale's figures come from
Every one of the two percentiles behind Fruitdale's 4,588-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Fruitdale's dominant direct exposure actually means, with real examples from across the dataset.