Phil Campbell, AL
How exposed is Phil Campbell to wildfire?
Out of every US place USFS scores, Phil Campbell lands at the 69th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 673 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Phil Campbell's burn probability — fire likelihood with no building count factored in — sits at the 72nd percentile nationally.
Where Phil Campbell's buildings actually sit
Of Phil Campbell's 673 counted buildings, 76.5% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Phil Campbell compares
Inside Alabama, Phil Campbell sits at just the 44th percentile even though it scores 69th 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, Phil Campbell ranks 9,694 for wildfire risk (1 is highest) and 14,939 by building count (1 is largest). Within Alabama alone, it ranks 331 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Phil Campbell and the insurance market
At the 69th percentile nationally, Phil Campbell 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 Phil Campbell
Phil Campbell's 76.5% 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
Phil Campbell's 69th-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 Phil Campbell, see the exposure-zones guide.