Nectar, AL
How exposed is Nectar to wildfire?
Nectar sits at the 75th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 326 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 Nectar at the 79th percentile, close to its 75th-percentile risk score.
Nectar's building exposure, zone by zone
99.7% of Nectar's 326 buildings sit in USFS's Direct exposure zone, roughly 325 structures close enough to burnable vegetation for flame contact, not just embers — 0.3% fall in the Indirect, ember-only zone and 0% are Minimal.
Nectar against the rest of the country
Inside Alabama, Nectar sits at just the 59th percentile even though it scores 75th 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, Nectar ranks 7,835 for wildfire risk (1 is highest) and 20,907 by building count (1 is largest). Within Alabama alone, it ranks 242 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
At the 75th percentile nationally, Nectar 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.
Hardening a home in Nectar
Nectar's 99.7% 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 Nectar's figures come from
Every one of the two percentiles behind Nectar's 7,835-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Nectar's dominant direct exposure actually means, with real examples from across the dataset.