Normandy, TN
How exposed is Normandy to wildfire?
Normandy's 105 buildings earn a 39th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Normandy at the 42nd percentile, close to its 39th-percentile risk score.
What "at risk" means for the buildings here
Of Normandy's 105 counted buildings, 50.5% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Normandy against the rest of the country
There's little gap between Normandy's 39th national percentile and its 28th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Normandy ranks 19,109 for wildfire risk (1 is highest) and 28,821 by building count (1 is largest). Within Tennessee alone, it ranks 359 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
Normandy's moderate wildfire rating (39th 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
Normandy's 50.5% 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
Normandy's 39th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Normandy, see the exposure-zones guide.