Graham, AL
Graham, AL's wildfire risk, in USFS's own numbers
USFS scores Graham at the 87th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 247 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Graham's burn probability — fire likelihood with no building count factored in — sits at the 91st percentile nationally.
Graham's building exposure, zone by zone
USFS classifies 100% of Graham's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 247 structures sit close enough to vegetation that lot clearing matters most.
How Graham compares
There's little gap between Graham's 87th national percentile and its 91st percentile inside Alabama, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Graham ranks 4,210 for wildfire risk (1 is highest) and 23,229 by building count (1 is largest). Within Alabama alone, it ranks 55 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Graham and the insurance market
Graham's very high rating (87th 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 Graham (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Graham's figures come from
The methodology guide shows exactly how USFS turned 247 counted buildings into the percentiles shown above for Graham. The exposure-zones guide covers what Graham's dominant direct exposure actually means, with real examples from across the dataset.