Magnolia Springs, AL
How exposed is Magnolia Springs to wildfire?
Magnolia Springs's 403 buildings earn a 83rd-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Magnolia Springs at the 85th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Magnolia Springs's buildings actually sit
403 buildings are counted in Magnolia Springs, and 94% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0.3% rated Minimal.
Magnolia Springs against the rest of the country
Magnolia Springs scores 83rd nationally and 85th 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, Magnolia Springs ranks 5,218 for wildfire risk (1 is highest) and 19,146 by building count (1 is largest). Within Alabama alone, it ranks 90 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Magnolia Springs and the insurance market
Magnolia Springs's 83rd-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
Magnolia Springs's 94% 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
The methodology guide shows exactly how USFS turned 403 counted buildings into the percentiles shown above for Magnolia Springs. For more on what direct exposure implies beyond Magnolia Springs, see the exposure-zones guide.