Spring Garden, AL
How exposed is Spring Garden to wildfire?
USFS scores Spring Garden at the 85th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 195 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Spring Garden at the 88th percentile, close to its 85th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Spring Garden: 85.1% of its 195 buildings, versus 14.9% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Spring Garden ranks
There's little gap between Spring Garden's 85th national percentile and its 87th percentile inside Alabama, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Spring Garden ranks 4,840 for wildfire risk (1 is highest) and 25,018 by building count (1 is largest). Within Alabama alone, it ranks 77 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Spring Garden and the insurance market
Spring Garden's very high rating (85th 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Spring Garden (85.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Spring Garden's 4,840-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Spring Garden, see the exposure-zones guide.