Underwood-Petersville, AL
Underwood-Petersville wildfire risk explained
Underwood-Petersville's 2,160 buildings earn a 58th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Underwood-Petersville at the 62nd national percentile — 4 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Underwood-Petersville's buildings actually sit
Direct exposure dominates in Underwood-Petersville: 83.3% of its 2,160 buildings, versus 16.7% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Underwood-Petersville ranks
Underwood-Petersville's 58th national percentile looks worse in isolation than its 20th ranking inside Alabama does — this place is on the milder end for its own state, by 38 points. Among the 31,521 US communities USFS scores, Underwood-Petersville ranks 13,322 for wildfire risk (1 is highest) and 7,040 by building count (1 is largest). Within Alabama alone, it ranks 479 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
Underwood-Petersville's elevated wildfire rating (58th 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.
Hardening a home in Underwood-Petersville
Because Direct exposure dominates in Underwood-Petersville (83.3%), 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
The methodology guide shows exactly how USFS turned 2,160 counted buildings into the percentiles shown above for Underwood-Petersville. For more on what direct exposure implies beyond Underwood-Petersville, see the exposure-zones guide.