Wildwood, TN
Wildwood wildfire risk explained
USFS's Wildfire Risk to Communities model puts Wildwood at the 72nd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 666 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Wildwood at the 78th national percentile — 6 points above its risk-to-structures score, a gap driven by how much is actually built there.
Wildwood's building exposure, zone by zone
87.2% of Wildwood's 666 buildings sit in USFS's Direct exposure zone, roughly 581 structures close enough to burnable vegetation for flame contact, not just embers — 12.8% fall in the Indirect, ember-only zone and 0% are Minimal.
Wildwood against the rest of the country
Wildwood scores 72nd nationally and 70th 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, Wildwood ranks 8,896 for wildfire risk (1 is highest) and 15,006 by building count (1 is largest). Within Tennessee alone, it ranks 153 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
Wildwood's 72nd-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.
What would actually reduce this score
Wildwood's 87.2% 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
Every one of the two percentiles behind Wildwood's 8,896-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Wildwood, see the exposure-zones guide.