Winfield, TN
How exposed is Winfield to wildfire?
Winfield sits at the 88th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 687 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Winfield's burn probability — fire likelihood with no building count factored in — sits at the 90th percentile nationally.
Winfield's building exposure, zone by zone
687 buildings are counted in Winfield, and 92.7% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Winfield against the rest of the country
Winfield's risk sits at a similar level relative to Tennessee (98th percentile statewide) as it does nationally (88th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Winfield ranks 3,915 for wildfire risk (1 is highest) and 14,801 by building count (1 is largest). Within Tennessee alone, it ranks 11 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Winfield
Winfield's 88th-percentile, very 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Winfield (92.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Winfield's 3,915-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Winfield, see the exposure-zones guide.