Semmes, AL
Semmes, AL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Semmes lands at the 88th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 3,051 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Semmes at the 90th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Semmes's building exposure, zone by zone
3,051 buildings are counted in Semmes, and 88.1% 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.
Semmes against the rest of the country
Semmes scores 88th nationally and 93rd 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, Semmes ranks 3,863 for wildfire risk (1 is highest) and 5,355 by building count (1 is largest). Within Alabama alone, it ranks 41 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Semmes and the insurance market
Semmes's 88th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Semmes
Semmes's 88.1% 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
Semmes's 88th-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 Semmes, see the exposure-zones guide.