Leoma, TN
Leoma wildfire risk explained
USFS's Wildfire Risk to Communities model puts Leoma at the 54th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 382 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Leoma at the 58th percentile, close to its 54th-percentile risk score.
What "at risk" means for the buildings here
84.3% of Leoma's 382 buildings sit in USFS's Direct exposure zone, roughly 322 structures close enough to burnable vegetation for flame contact, not just embers — 15.7% fall in the Indirect, ember-only zone and 0% are Minimal.
How Leoma compares
There's little gap between Leoma's 54th national percentile and its 48th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Leoma ranks 14,482 for wildfire risk (1 is highest) and 19,609 by building count (1 is largest). Within Tennessee alone, it ranks 263 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Leoma and the insurance market
At the 54th national percentile, Leoma rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Leoma
Because Direct exposure dominates in Leoma (84.3%), 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
The methodology guide shows exactly how USFS turned 382 counted buildings into the percentiles shown above for Leoma. For more on what direct exposure implies beyond Leoma, see the exposure-zones guide.