Ardmore, TN
How exposed is Ardmore to wildfire?
USFS's Wildfire Risk to Communities model puts Ardmore at the 26th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 1,038 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 Ardmore at the 29th percentile, close to its 26th-percentile risk score.
Ardmore's building exposure, zone by zone
Direct exposure dominates in Ardmore: 69.9% of its 1,038 buildings, versus 30.1% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Ardmore compares
There's little gap between Ardmore's 26th national percentile and its 12th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Ardmore ranks 23,271 for wildfire risk (1 is highest) and 11,674 by building count (1 is largest). Within Tennessee alone, it ranks 444 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Ardmore and the insurance market
Ardmore's moderate wildfire rating (26th 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.
Hardening a home in Ardmore
Ardmore's 69.9% 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 Ardmore's 23,271-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Ardmore, see the exposure-zones guide.