McMullen, AL
McMullen wildfire risk explained
McMullen sits at the 54th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 31 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, McMullen's burn probability — fire likelihood with no building count factored in — sits at the 55th percentile nationally.
McMullen's building exposure, zone by zone
31 buildings are counted in McMullen, and 100% 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% rated Minimal.
McMullen against the rest of the country
McMullen's 54th national percentile looks worse in isolation than its 11th ranking inside Alabama does — this place is on the milder end for its own state, by 44 points. Among the 31,521 US communities USFS scores, McMullen ranks 14,485 for wildfire risk (1 is highest) and 31,337 by building count (1 is largest). Within Alabama alone, it ranks 530 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
McMullen and the insurance market
McMullen's elevated rating (54th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in McMullen (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
McMullen's 54th-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 McMullen, see the exposure-zones guide.