Tuscumbia, AL
Tuscumbia wildfire risk explained
Tuscumbia sits at the 41st percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 4,926 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Tuscumbia's burn probability — fire likelihood with no building count factored in — sits at the 44th percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in Tuscumbia (49.3% of 4,926 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 32.5% sit in the Direct zone.
How Tuscumbia compares
Tuscumbia ranks lower within Alabama (4th percentile statewide) than its 41st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Tuscumbia ranks 18,456 for wildfire risk (1 is highest) and 3,470 by building count (1 is largest). Within Alabama alone, it ranks 570 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
Tuscumbia's elevated wildfire rating (41st percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Because 49.3% of Tuscumbia's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Tuscumbia's figures come from
Tuscumbia's 41st-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 Tuscumbia's dominant indirect exposure actually means, with real examples from across the dataset.