Ocoee, TN
Ocoee, TN's wildfire risk, in USFS's own numbers
USFS scores Ocoee at the 71st national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 160 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Ocoee at the 75th percentile, close to its 71st-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 87.5% of Ocoee's buildings as Direct exposure, higher than its 12.5% Indirect share and far above its 0% Minimal share — a profile where 140 structures sit close enough to vegetation that lot clearing matters most.
Ocoee against the rest of the country
There's little gap between Ocoee's 71st national percentile and its 67th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Ocoee ranks 9,243 for wildfire risk (1 is highest) and 26,456 by building count (1 is largest). Within Tennessee alone, it ranks 165 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Ocoee and the insurance market
At the 71st percentile nationally, Ocoee carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Ocoee's 87.5% 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.
Where Ocoee's figures come from
Every one of the two percentiles behind Ocoee's 9,243-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Ocoee's dominant direct exposure actually means, with real examples from across the dataset.