Hanover, AL
How exposed is Hanover to wildfire?
USFS scores Hanover at the 89th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 192 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hanover's burn probability — fire likelihood with no building count factored in — sits at the 92nd percentile nationally.
Hanover's building exposure, zone by zone
94.8% of Hanover's 192 buildings sit in USFS's Direct exposure zone, roughly 182 structures close enough to burnable vegetation for flame contact, not just embers — 5.2% fall in the Indirect, ember-only zone and 0% are Minimal.
Hanover against the rest of the country
Hanover's risk sits at a similar level relative to Alabama (97th 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, Hanover ranks 3,358 for wildfire risk (1 is highest) and 25,148 by building count (1 is largest). Within Alabama alone, it ranks 20 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
Hanover'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 Hanover
Because Direct exposure dominates in Hanover (94.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Hanover's figures come from
Hanover's 89th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Hanover's dominant direct exposure actually means, with real examples from across the dataset.