Gulfcrest, AL
Gulfcrest wildfire risk explained
USFS scores Gulfcrest at the 89th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 93 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Gulfcrest at the 91st percentile, close to its 89th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Gulfcrest: 100% of its 93 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Gulfcrest compares
Gulfcrest's risk sits at a similar level relative to Alabama (95th percentile statewide) as it does nationally (89th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Gulfcrest ranks 3,548 for wildfire risk (1 is highest) and 29,341 by building count (1 is largest). Within Alabama alone, it ranks 31 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
Gulfcrest's very high rating (89th 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.
Hardening a home in Gulfcrest
With 100% of Gulfcrest in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 93 counted buildings into the percentiles shown above for Gulfcrest. For more on what direct exposure implies beyond Gulfcrest, see the exposure-zones guide.