Harvest, AL
Harvest wildfire risk explained
USFS's Wildfire Risk to Communities model puts Harvest at the 28th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 3,061 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Harvest at the 31st national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Harvest's building exposure, zone by zone
67.2% of Harvest's 3,061 buildings sit in USFS's Direct exposure zone, roughly 2,058 structures close enough to burnable vegetation for flame contact, not just embers — 12.9% fall in the Indirect, ember-only zone and 19.9% are Minimal.
How Harvest compares
Harvest ranks lower within Alabama (2nd percentile statewide) than its 28th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Harvest ranks 22,523 for wildfire risk (1 is highest) and 5,341 by building count (1 is largest). Within Alabama alone, it ranks 581 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
At the 28th national percentile, Harvest rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Harvest's 67.2% 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
Harvest's 28th-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 Harvest, see the exposure-zones guide.