La Grange, TN
La Grange wildfire risk explained
Out of every US place USFS scores, La Grange lands at the 76th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 145 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks La Grange at the 79th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
La Grange's building exposure, zone by zone
145 buildings are counted in La Grange, and 87.6% 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.
La Grange against the rest of the country
There's little gap between La Grange's 76th national percentile and its 79th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, La Grange ranks 7,512 for wildfire risk (1 is highest) and 27,099 by building count (1 is largest). Within Tennessee alone, it ranks 106 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
La Grange and the insurance market
La Grange's 76th-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 87.6% of La Grange 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.
Where La Grange's figures come from
La Grange's 76th-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 La Grange's dominant direct exposure actually means, with real examples from across the dataset.