Spanish Fort, AL
How exposed is Spanish Fort to wildfire?
Spanish Fort's 3,344 buildings earn a 88th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Spanish Fort at the 90th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Spanish Fort's building exposure, zone by zone
Direct exposure dominates in Spanish Fort: 62.8% of its 3,344 buildings, versus 36% Indirect and 1.2% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Spanish Fort ranks
Spanish Fort scores 88th nationally and 94th 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, Spanish Fort ranks 3,675 for wildfire risk (1 is highest) and 4,988 by building count (1 is largest). Within Alabama alone, it ranks 34 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Spanish Fort and the insurance market
Spanish Fort's very high rating (88th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Spanish Fort's 62.8% 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 Spanish Fort's figures come from
Every one of the two percentiles behind Spanish Fort's 3,675-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Spanish Fort's dominant direct exposure actually means, with real examples from across the dataset.