Lillian, AL
Lillian, AL's wildfire risk, in USFS's own numbers
Lillian sits at the 90th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 870 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lillian at the 90th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Lillian's building exposure, zone by zone
72.4% of Lillian's 870 buildings sit in USFS's Direct exposure zone, roughly 630 structures close enough to burnable vegetation for flame contact, not just embers — 27.5% fall in the Indirect, ember-only zone and 0.1% are Minimal.
How Lillian compares
Lillian scores 90th nationally and 99th within Alabama — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Lillian ranks 3,043 for wildfire risk (1 is highest) and 12,981 by building count (1 is largest). Within Alabama alone, it ranks 10 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
Lillian'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.
Lowering exposure, not just insuring around it
Lillian's 72.4% 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
Lillian's 90th-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 Lillian, see the exposure-zones guide.