Lookout Mountain, TN
Lookout Mountain wildfire risk explained
Out of every US place USFS scores, Lookout Mountain lands at the 74th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 928 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lookout Mountain at the 77th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Lookout Mountain's buildings actually sit
81% of Lookout Mountain's 928 buildings sit in USFS's Direct exposure zone, roughly 752 structures close enough to burnable vegetation for flame contact, not just embers — 19% fall in the Indirect, ember-only zone and 0% are Minimal.
How Lookout Mountain compares
There's little gap between Lookout Mountain's 74th national percentile and its 75th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Lookout Mountain ranks 8,139 for wildfire risk (1 is highest) and 12,493 by building count (1 is largest). Within Tennessee alone, it ranks 126 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Lookout Mountain
Lookout Mountain'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
Lookout Mountain's 81% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Lookout Mountain's 8,139-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Lookout Mountain, see the exposure-zones guide.