Sherwood, TN
How exposed is Sherwood to wildfire?
Out of every US place USFS scores, Sherwood lands at the 77th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 137 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Sherwood's burn probability — fire likelihood with no building count factored in — sits at the 81st percentile nationally.
Where Sherwood's buildings actually sit
USFS classifies 86.1% of Sherwood's buildings as Direct exposure, higher than its 13.9% Indirect share and far above its 0% Minimal share — a profile where 118 structures sit close enough to vegetation that lot clearing matters most.
Sherwood against the rest of the country
There's little gap between Sherwood's 77th national percentile and its 81st percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Sherwood ranks 7,162 for wildfire risk (1 is highest) and 27,420 by building count (1 is largest). Within Tennessee alone, it ranks 97 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
Sherwood's 77th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Sherwood
Sherwood's 86.1% 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 Sherwood's figures come from
Every one of the two percentiles behind Sherwood's 7,162-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Sherwood's dominant direct exposure actually means, with real examples from across the dataset.