Allardt, TN
Allardt wildfire risk explained
USFS's Wildfire Risk to Communities model puts Allardt at the 84th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 563 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 Allardt at the 87th percentile, close to its 84th-percentile risk score.
Where Allardt's buildings actually sit
Direct exposure dominates in Allardt: 94.5% of its 563 buildings, versus 5.5% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Allardt against the rest of the country
There's little gap between Allardt's 84th national percentile and its 94th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Allardt ranks 5,088 for wildfire risk (1 is highest) and 16,367 by building count (1 is largest). Within Tennessee alone, it ranks 32 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
Allardt's very high rating (84th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Allardt's 94.5% 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 Allardt's figures come from
Every one of the two percentiles behind Allardt's 5,088-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Allardt's dominant direct exposure actually means, with real examples from across the dataset.