Nances Creek, AL
Nances Creek, AL's wildfire risk, in USFS's own numbers
Nances Creek sits at the 89th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 328 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Nances Creek at the 90th percentile, close to its 89th-percentile risk score.
What "at risk" means for the buildings here
100% of Nances Creek's 328 buildings sit in USFS's Direct exposure zone, roughly 328 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Nances Creek against the rest of the country
Nances Creek scores 89th nationally and 95th 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, Nances Creek ranks 3,517 for wildfire risk (1 is highest) and 20,866 by building count (1 is largest). Within Alabama alone, it ranks 29 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Shopping for coverage in Nances Creek
Nances Creek's 89th-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.
Hardening a home in Nances Creek
Because Direct exposure dominates in Nances Creek (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
Nances Creek's 89th-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 Nances Creek, see the exposure-zones guide.