Urban heat vulnerability varies within and across cities, necessitating detailed studies to understand diverse populations’ specific vulnerabilities. This research assessed urban heat vulnerability at block group level in three Alabama cities: Birmingham, Montgomery, and Auburn-Opelika. The vulnerability index combines exposure, sensitivity, and adaptive capacity subindices, incorporating Landsat 8 satellite-derived Land Surface Temperature (LST), demographic, and socioeconomic data using factor analysis and geospatial techniques. Results showed strong positive correlations between LST and impervious surfaces in Auburn-Opelika and Montgomery, with a moderate correlation in Birmingham. An inverse correlation between LST and Normalized Difference Vegetation Index was observed in all cities. High LST correlated with high population density, varying across cities. Birmingham and Montgomery’s central areas exhibited the highest heat exposure, influenced by imperviousness, population density, and socioeconomic factors. Auburn-Opelika had limited high heat exposure block groups, and high sensitivity did not always align with exposure. Correlations and cluster analysis were used to dissect the heat vulnerability index, revealing variations in contributing factors within and across cities. This study underscores the complex interplay of physical, social, and economic factors in urban heat vulnerability and emphasizes the need for location-specific research. Local governance, community engagement, and tailored interventions are crucial for addressing unique vulnerabilities in each urban context.