Midway, AL
How exposed is Midway to wildfire?
Out of every US place USFS scores, Midway lands at the 75th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 393 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Midway's burn probability — fire likelihood with no building count factored in — sits at the 77th percentile nationally.
Where Midway's buildings actually sit
USFS classifies 75.3% of Midway's buildings as Direct exposure, higher than its 24.7% Indirect share and far above its 0% Minimal share — a profile where 296 structures sit close enough to vegetation that lot clearing matters most.
Where Midway ranks
Midway scores 75th nationally and 61st 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, Midway ranks 7,745 for wildfire risk (1 is highest) and 19,345 by building count (1 is largest). Within Alabama alone, it ranks 236 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Shopping for coverage in Midway
At the 75th percentile nationally, Midway carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Midway's 75.3% 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 Midway's figures come from
The methodology guide shows exactly how USFS turned 393 counted buildings into the percentiles shown above for Midway. The exposure-zones guide covers what Midway's dominant direct exposure actually means, with real examples from across the dataset.