Lafayette, TN
How exposed is Lafayette to wildfire?
Lafayette sits at the 31st percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 2,936 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lafayette at the 33rd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Lafayette's buildings actually sit
2,936 buildings are counted in Lafayette, and 62.2% 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.
Where Lafayette ranks
Lafayette's risk sits at a similar level relative to Tennessee (19th percentile statewide) as it does nationally (31st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lafayette ranks 21,885 for wildfire risk (1 is highest) and 5,536 by building count (1 is largest). Within Tennessee alone, it ranks 407 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Lafayette and the insurance market
Lafayette's moderate wildfire rating (31st percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
With 62.2% of Lafayette 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
Every one of the two percentiles behind Lafayette's 21,885-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Lafayette, see the exposure-zones guide.