Our Town, AL
Our Town wildfire risk explained
USFS's Wildfire Risk to Communities model puts Our Town at the 85th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 470 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Our Town at the 88th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Our Town's building exposure, zone by zone
USFS classifies 100% of Our Town's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 470 structures sit close enough to vegetation that lot clearing matters most.
Where Our Town ranks
Our Town scores 85th nationally and 89th 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, Our Town ranks 4,652 for wildfire risk (1 is highest) and 17,868 by building count (1 is largest). Within Alabama alone, it ranks 70 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Shopping for coverage in Our Town
At the 85th percentile nationally, Our Town carries the very 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Our Town (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
The methodology guide shows exactly how USFS turned 470 counted buildings into the percentiles shown above for Our Town. For more on what direct exposure implies beyond Our Town, see the exposure-zones guide.