Cos Cob, CT
How exposed is Cos Cob to wildfire?
USFS scores Cos Cob at the 28th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 4,057 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cos Cob's burn probability — fire likelihood with no building count factored in — sits at the 28th percentile nationally.
What "at risk" means for the buildings here
Most of Cos Cob's buildings (70.3% of 4,057) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Cos Cob against the rest of the country
Cos Cob scores 28th nationally and 35th within Connecticut — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Cos Cob ranks 22,713 for wildfire risk (1 is highest) and 4,185 by building count (1 is largest). Within Connecticut alone, it ranks 138 of 214 places by risk. See the full county-by-county picture for Connecticut on its state page.
Cos Cob and the insurance market
At the 28th national percentile, Cos Cob rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Cos Cob's 70.3% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Cos Cob's 22,713-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Cos Cob, see the exposure-zones guide.