Tibbie, AL
How exposed is Tibbie to wildfire?
Tibbie sits at the 86th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 54 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Tibbie at the 88th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
54 buildings are counted in Tibbie, and 100% 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.
How Tibbie compares
Tibbie's risk sits at a similar level relative to Alabama (90th percentile statewide) as it does nationally (86th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Tibbie ranks 4,559 for wildfire risk (1 is highest) and 30,805 by building count (1 is largest). Within Alabama alone, it ranks 66 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Tibbie and the insurance market
At the 86th percentile nationally, Tibbie carries the very 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.
Lowering exposure, not just insuring around it
Tibbie's 100% 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
The methodology guide shows exactly how USFS turned 54 counted buildings into the percentiles shown above for Tibbie. For more on what direct exposure implies beyond Tibbie, see the exposure-zones guide.