Lynchburg, Moore County, TN
How exposed is Lynchburg to wildfire?
USFS's Wildfire Risk to Communities model puts Lynchburg at the 38th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 6,422 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lynchburg at the 40th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Lynchburg's building exposure, zone by zone
Of Lynchburg's 6,422 counted buildings, 94% carry Direct exposure and only 0.1% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first. At 6,422 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Lynchburg compares
Lynchburg's risk sits at a similar level relative to Tennessee (26th percentile statewide) as it does nationally (38th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lynchburg ranks 19,710 for wildfire risk (1 is highest) and 2,701 by building count (1 is largest). Within Tennessee alone, it ranks 368 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
What this risk score means for insurance
At the 38th national percentile, Lynchburg rates moderate 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 Lynchburg
Lynchburg's 94% 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
The methodology guide shows exactly how USFS turned 6,422 counted buildings into the percentiles shown above for Lynchburg. For more on what direct exposure implies beyond Lynchburg, see the exposure-zones guide.