Winchester, TN
Winchester wildfire risk explained
USFS scores Winchester at the 39th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 5,119 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Winchester at the 42nd national percentile — 4 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Of Winchester's 5,119 counted buildings, 52.1% carry Direct exposure and only 45.1% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first. At 5,119 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Winchester compares
Winchester scores 39th nationally and 28th 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, Winchester ranks 19,333 for wildfire risk (1 is highest) and 3,371 by building count (1 is largest). Within Tennessee alone, it ranks 362 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
Winchester's moderate wildfire rating (39th 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
Winchester's 52.1% 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.
More on how this number was built
Winchester's 39th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Winchester, see the exposure-zones guide.