Rockwood, TN
Rockwood wildfire risk explained
USFS scores Rockwood at the 77th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 2,880 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 Rockwood at the 80th percentile, close to its 77th-percentile risk score.
Rockwood's building exposure, zone by zone
65.4% of Rockwood's 2,880 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 34.5% Direct and 0.1% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Rockwood ranks
Rockwood's risk sits at a similar level relative to Tennessee (80th percentile statewide) as it does nationally (77th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Rockwood ranks 7,322 for wildfire risk (1 is highest) and 5,612 by building count (1 is largest). Within Tennessee alone, it ranks 101 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 77th percentile nationally, Rockwood 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.
Hardening a home in Rockwood
Because 65.4% of Rockwood's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Rockwood's figures come from
Rockwood's 77th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Rockwood's dominant indirect exposure actually means, with real examples from across the dataset.