Rosa, AL
Rosa wildfire risk explained
Rosa sits at the 77th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 247 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Rosa's burn probability — fire likelihood with no building count factored in — sits at the 80th percentile nationally.
Where Rosa's buildings actually sit
Direct exposure dominates in Rosa: 100% of its 247 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Rosa against the rest of the country
Rosa's risk sits at a similar level relative to Alabama (66th percentile statewide) as it does nationally (77th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Rosa ranks 7,364 for wildfire risk (1 is highest) and 23,230 by building count (1 is largest). Within Alabama alone, it ranks 204 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
Rosa's high rating (77th 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.
Lowering exposure, not just insuring around it
With 100% of Rosa 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.
Where Rosa's figures come from
Rosa's 77th-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 Rosa's dominant direct exposure actually means, with real examples from across the dataset.