Collinwood, TN
Collinwood, TN's wildfire risk, in USFS's own numbers
Collinwood sits at the 60th 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 695 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Collinwood at the 63rd national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
695 buildings are counted in Collinwood, and 53% 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.
How Collinwood compares
There's little gap between Collinwood's 60th national percentile and its 53rd percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Collinwood ranks 12,588 for wildfire risk (1 is highest) and 14,724 by building count (1 is largest). Within Tennessee alone, it ranks 238 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Collinwood
Collinwood's 60th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
With 53% of Collinwood 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 695 counted buildings into the percentiles shown above for Collinwood. For more on what direct exposure implies beyond Collinwood, see the exposure-zones guide.