Englewood, TN
Englewood wildfire risk explained
Englewood sits at the 74th 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 1,011 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Englewood's burn probability — fire likelihood with no building count factored in — sits at the 78th percentile nationally.
Where Englewood's buildings actually sit
USFS puts 55.9% of Englewood's 1,011 buildings in the Indirect exposure zone, versus 44.1% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Englewood compares
Englewood scores 74th nationally and 73rd within Tennessee — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Englewood ranks 8,365 for wildfire risk (1 is highest) and 11,856 by building count (1 is largest). Within Tennessee alone, it ranks 137 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
What this risk score means for insurance
Englewood's high rating (74th 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
Englewood's 55.9% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Englewood's figures come from
Englewood's 74th-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 Englewood's dominant indirect exposure actually means, with real examples from across the dataset.