Napier Field, AL
Napier Field wildfire risk explained
Napier Field sits at the 44th 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 206 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Napier Field's burn probability — fire likelihood with no building count factored in — sits at the 45th percentile nationally.
What "at risk" means for the buildings here
Most of Napier Field's buildings (82% of 206) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Napier Field compares
Inside Alabama, Napier Field sits at just the 4th percentile even though it scores 44th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Napier Field ranks 17,763 for wildfire risk (1 is highest) and 24,629 by building count (1 is largest). Within Alabama alone, it ranks 566 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Napier Field and the insurance market
Napier Field's elevated rating (44th 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
Napier Field's 82% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 206 counted buildings into the percentiles shown above for Napier Field. For more on what minimal exposure implies beyond Napier Field, see the exposure-zones guide.