Westover, AL
Westover, AL's wildfire risk, in USFS's own numbers
USFS scores Westover at the 81st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 865 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 Westover at the 84th percentile, close to its 81st-percentile risk score.
Where Westover's buildings actually sit
USFS classifies 89.7% of Westover's buildings as Direct exposure, higher than its 10.3% Indirect share and far above its 0% Minimal share — a profile where 776 structures sit close enough to vegetation that lot clearing matters most.
How Westover compares
Westover's risk sits at a similar level relative to Alabama (79th percentile statewide) as it does nationally (81st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Westover ranks 5,881 for wildfire risk (1 is highest) and 13,028 by building count (1 is largest). Within Alabama alone, it ranks 124 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Shopping for coverage in Westover
At the 81st percentile nationally, Westover 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
Westover's 89.7% 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.
Where Westover's figures come from
The methodology guide shows exactly how USFS turned 865 counted buildings into the percentiles shown above for Westover. The exposure-zones guide covers what Westover's dominant direct exposure actually means, with real examples from across the dataset.