Westmoreland, TN
Westmoreland, TN's wildfire risk, in USFS's own numbers
Westmoreland sits at the 27th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 1,512 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 Westmoreland at the 29th percentile, close to its 27th-percentile risk score.
Where Westmoreland's buildings actually sit
75.1% of Westmoreland's 1,512 buildings sit in USFS's Direct exposure zone, roughly 1,136 structures close enough to burnable vegetation for flame contact, not just embers — 24.9% fall in the Indirect, ember-only zone and 0% are Minimal.
Westmoreland against the rest of the country
Westmoreland scores 27th nationally and 13th within Tennessee — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Westmoreland ranks 22,991 for wildfire risk (1 is highest) and 9,113 by building count (1 is largest). Within Tennessee alone, it ranks 439 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
Westmoreland's moderate wildfire rating (27th 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
Westmoreland's 75.1% 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 Westmoreland's figures come from
Every one of the two percentiles behind Westmoreland's 22,991-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Westmoreland's dominant direct exposure actually means, with real examples from across the dataset.