Cowarts, AL
Cowarts, AL's wildfire risk, in USFS's own numbers
Cowarts sits at the 58th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,243 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cowarts at the 59th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Cowarts's buildings actually sit
Of Cowarts's 1,243 counted buildings, 90.4% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Cowarts ranks
Cowarts's 58th national percentile looks worse in isolation than its 22nd ranking inside Alabama does — this place is on the milder end for its own state, by 37 points. Among the 31,521 US communities USFS scores, Cowarts ranks 13,099 for wildfire risk (1 is highest) and 10,378 by building count (1 is largest). Within Alabama alone, it ranks 465 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
What this risk score means for insurance
Cowarts's elevated wildfire rating (58th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Cowarts
With 90.4% of Cowarts in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,243 counted buildings into the percentiles shown above for Cowarts. For more on what direct exposure implies beyond Cowarts, see the exposure-zones guide.