Colonial Heights, TN
Colonial Heights wildfire risk explained
Colonial Heights sits at the 66th 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 1,640 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Colonial Heights's burn probability — fire likelihood with no building count factored in — sits at the 71st percentile nationally.
Where Colonial Heights's buildings actually sit
1,640 buildings are counted in Colonial Heights, and 80.1% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 13.3% rated Minimal.
Colonial Heights against the rest of the country
Colonial Heights's risk sits at a similar level relative to Tennessee (59th percentile statewide) as it does nationally (66th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Colonial Heights ranks 10,663 for wildfire risk (1 is highest) and 8,622 by building count (1 is largest). Within Tennessee alone, it ranks 209 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Colonial Heights and the insurance market
At the 66th percentile nationally, Colonial Heights carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Colonial Heights's 80.1% 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.
Where Colonial Heights's figures come from
Colonial Heights's 66th-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 Colonial Heights's dominant direct exposure actually means, with real examples from across the dataset.