Munford, AL
How exposed is Munford to wildfire?
USFS scores Munford at the 84th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 847 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Munford's burn probability — fire likelihood with no building count factored in — sits at the 87th percentile nationally.
Where Munford's buildings actually sit
Of Munford's 847 counted buildings, 86.1% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Munford ranks
There's little gap between Munford's 84th national percentile and its 86th percentile inside Alabama, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Munford ranks 5,060 for wildfire risk (1 is highest) and 13,185 by building count (1 is largest). Within Alabama alone, it ranks 84 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
Munford's very high rating (84th 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 Munford
With 86.1% of Munford in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Munford's 84th-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 Munford, see the exposure-zones guide.