Kellyton, AL
Kellyton wildfire risk explained
Out of every US place USFS scores, Kellyton lands at the 88th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 158 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Kellyton's burn probability — fire likelihood with no building count factored in — sits at the 91st percentile nationally.
What "at risk" means for the buildings here
100% of Kellyton's 158 buildings sit in USFS's Direct exposure zone, roughly 158 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Kellyton against the rest of the country
Kellyton's risk sits at a similar level relative to Alabama (94th percentile statewide) as it does nationally (88th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Kellyton ranks 3,705 for wildfire risk (1 is highest) and 26,512 by building count (1 is largest). Within Alabama alone, it ranks 35 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Shopping for coverage in Kellyton
Kellyton's very high rating (88th 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Kellyton (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Kellyton's 88th-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 Kellyton, see the exposure-zones guide.