Hollins, AL
Hollins, AL's wildfire risk, in USFS's own numbers
Hollins's 447 buildings earn a 90th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hollins at the 93rd percentile, close to its 90th-percentile risk score.
Hollins's building exposure, zone by zone
100% of Hollins's 447 buildings sit in USFS's Direct exposure zone, roughly 447 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Hollins against the rest of the country
There's little gap between Hollins's 90th national percentile and its 98th percentile inside Alabama, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hollins ranks 3,233 for wildfire risk (1 is highest) and 18,324 by building count (1 is largest). Within Alabama alone, it ranks 16 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
Hollins's 90th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Hollins's 100% 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.
Where Hollins's figures come from
Every one of the two percentiles behind Hollins's 3,233-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hollins's dominant direct exposure actually means, with real examples from across the dataset.