Rockford, TN
How exposed is Rockford to wildfire?
Rockford sits at the 71st percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 552 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Rockford at the 76th percentile, close to its 71st-percentile risk score.
Rockford's building exposure, zone by zone
71.9% of Rockford's 552 buildings sit in USFS's Direct exposure zone, roughly 397 structures close enough to burnable vegetation for flame contact, not just embers — 28.1% fall in the Indirect, ember-only zone and 0% are Minimal.
Rockford against the rest of the country
There's little gap between Rockford's 71st national percentile and its 68th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Rockford ranks 9,181 for wildfire risk (1 is highest) and 16,546 by building count (1 is largest). Within Tennessee alone, it ranks 161 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Rockford and the insurance market
Rockford's high rating (71st 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
Because Direct exposure dominates in Rockford (71.9%), 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
Rockford's 71st-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 Rockford, see the exposure-zones guide.