Chesterfield, TN
Chesterfield wildfire risk explained
USFS scores Chesterfield at the 49th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 337 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Chesterfield at the 52nd percentile, close to its 49th-percentile risk score.
What "at risk" means for the buildings here
95% of Chesterfield's 337 buildings sit in USFS's Direct exposure zone, roughly 320 structures close enough to burnable vegetation for flame contact, not just embers — 5% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Chesterfield ranks
Chesterfield's risk sits at a similar level relative to Tennessee (41st percentile statewide) as it does nationally (49th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Chesterfield ranks 15,956 for wildfire risk (1 is highest) and 20,668 by building count (1 is largest). Within Tennessee alone, it ranks 291 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Chesterfield
Chesterfield's elevated wildfire rating (49th 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.
What would actually reduce this score
Chesterfield's 95% 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
Every one of the two percentiles behind Chesterfield's 15,956-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Chesterfield, see the exposure-zones guide.