Waverly, AL
Waverly, AL's wildfire risk, in USFS's own numbers
USFS scores Waverly at the 84th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 203 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 Waverly at the 87th percentile, close to its 84th-percentile risk score.
Waverly's building exposure, zone by zone
Direct exposure dominates in Waverly: 100% of its 203 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Waverly ranks
There's little gap between Waverly's 84th national percentile and its 87th percentile inside Alabama, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Waverly ranks 4,968 for wildfire risk (1 is highest) and 24,715 by building count (1 is largest). Within Alabama alone, it ranks 81 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Shopping for coverage in Waverly
Waverly's very high rating (84th 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Waverly (100%), 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 203 counted buildings into the percentiles shown above for Waverly. For more on what direct exposure implies beyond Waverly, see the exposure-zones guide.