Geneva, AL
Geneva wildfire risk explained
Geneva sits at the 65th 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 2,763 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Geneva's burn probability — fire likelihood with no building count factored in — sits at the 65th percentile nationally.
What "at risk" means for the buildings here
Of Geneva's 2,763 counted buildings, 62.5% 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.
How Geneva compares
Geneva's 65th national percentile looks worse in isolation than its 34th ranking inside Alabama does — this place is on the milder end for its own state, by 30 points. Among the 31,521 US communities USFS scores, Geneva ranks 11,175 for wildfire risk (1 is highest) and 5,831 by building count (1 is largest). Within Alabama alone, it ranks 389 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Geneva and the insurance market
Geneva's high rating (65th 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
Geneva's 62.5% 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 Geneva's 11,175-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Geneva, see the exposure-zones guide.