Owens Cross Roads, AL
Owens Cross Roads, AL's wildfire risk, in USFS's own numbers
Owens Cross Roads sits at the 36th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 1,503 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Owens Cross Roads at the 39th percentile, close to its 36th-percentile risk score.
What "at risk" means for the buildings here
1,503 buildings are counted in Owens Cross Roads, and 52.4% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Owens Cross Roads against the rest of the country
Owens Cross Roads's 36th national percentile looks worse in isolation than its 3rd ranking inside Alabama does — this place is on the milder end for its own state, by 33 points. Among the 31,521 US communities USFS scores, Owens Cross Roads ranks 20,127 for wildfire risk (1 is highest) and 9,160 by building count (1 is largest). Within Alabama alone, it ranks 575 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Owens Cross Roads and the insurance market
Owens Cross Roads's moderate wildfire rating (36th 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.
Lowering exposure, not just insuring around it
Owens Cross Roads's 52.4% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,503 counted buildings into the percentiles shown above for Owens Cross Roads. For more on what direct exposure implies beyond Owens Cross Roads, see the exposure-zones guide.