Bowmore, NC
How exposed is Bowmore to wildfire?
Out of every US place USFS scores, Bowmore lands at the 85th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 77 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bowmore's burn probability — fire likelihood with no building count factored in — sits at the 86th percentile nationally.
What "at risk" means for the buildings here
72.7% of Bowmore's 77 buildings sit in USFS's Direct exposure zone, roughly 56 structures close enough to burnable vegetation for flame contact, not just embers — 27.3% fall in the Indirect, ember-only zone and 0% are Minimal.
Bowmore against the rest of the country
Bowmore scores 85th nationally and 93rd within North Carolina — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Bowmore ranks 4,769 for wildfire risk (1 is highest) and 30,023 by building count (1 is largest). Within North Carolina alone, it ranks 52 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
What this risk score means for insurance
Bowmore's very high rating (85th 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
Bowmore's 72.7% 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 Bowmore's figures come from
Every one of the two percentiles behind Bowmore's 4,769-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Bowmore's dominant direct exposure actually means, with real examples from across the dataset.