Stevenson, AL
How exposed is Stevenson to wildfire?
USFS's Wildfire Risk to Communities model puts Stevenson at the 75th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 1,342 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Stevenson at the 80th percentile, close to its 75th-percentile risk score.
Where Stevenson's buildings actually sit
Of Stevenson's 1,342 counted buildings, 50.4% carry Direct exposure and only 0.2% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Stevenson ranks
Stevenson ranks lower within Alabama (60th percentile statewide) than its 75th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Stevenson ranks 7,746 for wildfire risk (1 is highest) and 9,867 by building count (1 is largest). Within Alabama alone, it ranks 237 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 75th percentile nationally, Stevenson 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 Stevenson
With 50.4% of Stevenson in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Stevenson's figures come from
Stevenson's 75th-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 Stevenson's dominant direct exposure actually means, with real examples from across the dataset.