Fincastle, TN
How exposed is Fincastle to wildfire?
Fincastle's 1,100 buildings earn a 88th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fincastle's burn probability — fire likelihood with no building count factored in — sits at the 91st percentile nationally.
Fincastle's building exposure, zone by zone
USFS classifies 59.8% of Fincastle's buildings as Direct exposure, higher than its 40.2% Indirect share and far above its 0% Minimal share — a profile where 658 structures sit close enough to vegetation that lot clearing matters most.
Where Fincastle ranks
There's little gap between Fincastle's 88th national percentile and its 99th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Fincastle ranks 3,728 for wildfire risk (1 is highest) and 11,276 by building count (1 is largest). Within Tennessee alone, it ranks 8 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Fincastle
Fincastle's very high rating (88th 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.
What would actually reduce this score
Because Direct exposure dominates in Fincastle (59.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Fincastle's 3,728-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Fincastle, see the exposure-zones guide.