Stewartville, AL
Stewartville wildfire risk explained
USFS scores Stewartville at the 90th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,228 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 Stewartville at the 93rd percentile, close to its 90th-percentile risk score.
What "at risk" means for the buildings here
Of Stewartville's 1,228 counted buildings, 100% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Stewartville ranks
Stewartville scores 90th nationally and 98th 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, Stewartville ranks 3,169 for wildfire risk (1 is highest) and 10,482 by building count (1 is largest). Within Alabama alone, it ranks 12 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
Stewartville's very high rating (90th 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.
Hardening a home in Stewartville
With 100% of Stewartville 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 Stewartville's figures come from
The methodology guide shows exactly how USFS turned 1,228 counted buildings into the percentiles shown above for Stewartville. The exposure-zones guide covers what Stewartville's dominant direct exposure actually means, with real examples from across the dataset.