Pine Ridge, AL
Pine Ridge, AL's wildfire risk, in USFS's own numbers
Pine Ridge sits at the 80th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 173 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Pine Ridge at the 85th national percentile — 4 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
173 buildings are counted in Pine Ridge, and 93.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Pine Ridge ranks
There's little gap between Pine Ridge's 80th national percentile and its 77th percentile inside Alabama, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Pine Ridge ranks 6,164 for wildfire risk (1 is highest) and 25,879 by building count (1 is largest). Within Alabama alone, it ranks 139 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 80th percentile nationally, Pine Ridge 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.
What would actually reduce this score
Pine Ridge's 93.6% 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.
Where Pine Ridge's figures come from
Pine Ridge's 80th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Pine Ridge's dominant direct exposure actually means, with real examples from across the dataset.