Westpoint, TN
How exposed is Westpoint to wildfire?
USFS's Wildfire Risk to Communities model puts Westpoint at the 56th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 117 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Westpoint at the 59th percentile, close to its 56th-percentile risk score.
Where Westpoint's buildings actually sit
Of Westpoint's 117 counted buildings, 75.2% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Westpoint against the rest of the country
Westpoint scores 56th nationally and 49th 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, Westpoint ranks 14,009 for wildfire risk (1 is highest) and 28,331 by building count (1 is largest). Within Tennessee alone, it ranks 255 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Westpoint and the insurance market
Westpoint's elevated wildfire rating (56th 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.
What would actually reduce this score
Westpoint's 75.2% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 117 counted buildings into the percentiles shown above for Westpoint. For more on what direct exposure implies beyond Westpoint, see the exposure-zones guide.