Hamilton, AL
Hamilton wildfire risk explained
Out of every US place USFS scores, Hamilton lands at the 59th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 3,837 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 Hamilton at the 62nd percentile, close to its 59th-percentile risk score.
Hamilton's building exposure, zone by zone
72.6% of Hamilton's 3,837 buildings sit in USFS's Direct exposure zone, roughly 2,787 structures close enough to burnable vegetation for flame contact, not just embers — 27.4% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Hamilton ranks
Hamilton ranks lower within Alabama (24th percentile statewide) than its 59th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Hamilton ranks 12,814 for wildfire risk (1 is highest) and 4,390 by building count (1 is largest). Within Alabama alone, it ranks 450 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
Hamilton's elevated wildfire rating (59th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Hamilton's 72.6% 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
Hamilton's 59th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Hamilton, see the exposure-zones guide.