Bowman, GA
How exposed is Bowman to wildfire?
USFS's Wildfire Risk to Communities model puts Bowman at the 64th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 636 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bowman at the 68th national percentile — 4 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
80% of Bowman's 636 buildings sit in USFS's Direct exposure zone, roughly 509 structures close enough to burnable vegetation for flame contact, not just embers — 20% fall in the Indirect, ember-only zone and 0% are Minimal.
Bowman against the rest of the country
Inside Georgia, Bowman sits at just the 37th percentile even though it scores 64th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Bowman ranks 11,337 for wildfire risk (1 is highest) and 15,389 by building count (1 is largest). Within Georgia alone, it ranks 418 of 669 places by risk. See the full county-by-county picture for Georgia on its state page.
What this risk score means for insurance
Bowman's high rating (64th 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.
What would actually reduce this score
Bowman's 80% 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 Bowman's figures come from
Bowman's 64th-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 Bowman's dominant direct exposure actually means, with real examples from across the dataset.