Paint Rock, AL
Paint Rock wildfire risk explained
USFS's Wildfire Risk to Communities model puts Paint Rock at the 48th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 129 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Paint Rock's burn probability — fire likelihood with no building count factored in — sits at the 50th percentile nationally.
Where Paint Rock's buildings actually sit
73.6% of Paint Rock's 129 buildings sit in USFS's Direct exposure zone, roughly 95 structures close enough to burnable vegetation for flame contact, not just embers — 26.4% fall in the Indirect, ember-only zone and 0% are Minimal.
How Paint Rock compares
Paint Rock's 48th national percentile looks worse in isolation than its 6th ranking inside Alabama does — this place is on the milder end for its own state, by 42 points. Among the 31,521 US communities USFS scores, Paint Rock ranks 16,376 for wildfire risk (1 is highest) and 27,740 by building count (1 is largest). Within Alabama alone, it ranks 559 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 48th national percentile, Paint Rock rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Paint Rock's 73.6% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 129 counted buildings into the percentiles shown above for Paint Rock. For more on what direct exposure implies beyond Paint Rock, see the exposure-zones guide.