Mobile, AL
Mobile, AL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Mobile at the 86th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 91,961 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Mobile's burn probability — fire likelihood with no building count factored in — sits at the 87th percentile nationally.
Where Mobile's buildings actually sit
USFS classifies 46.5% of Mobile's buildings as Direct exposure, higher than its 11.2% Indirect share and far above its 42.4% Minimal share — a profile where 42,716 structures sit close enough to vegetation that lot clearing matters most. At 91,961 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Mobile ranks
Mobile's risk sits at a similar level relative to Alabama (89th percentile statewide) as it does nationally (86th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Mobile ranks 4,558 for wildfire risk (1 is highest) and 76 by building count (1 is largest). Within Alabama alone, it ranks 65 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
Mobile's very high rating (86th 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.
Hardening a home in Mobile
Mobile's 46.5% 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 91,961 counted buildings into the percentiles shown above for Mobile. For more on what direct exposure implies beyond Mobile, see the exposure-zones guide.