Atoka, TN
Atoka, TN's wildfire risk, in USFS's own numbers
Atoka's 4,032 buildings earn a 43rd-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Atoka's burn probability — fire likelihood with no building count factored in — sits at the 44th percentile nationally.
Where Atoka's buildings actually sit
Of Atoka's 4,032 counted buildings, 60.8% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Atoka ranks
There's little gap between Atoka's 43rd national percentile and its 32nd percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Atoka ranks 17,944 for wildfire risk (1 is highest) and 4,213 by building count (1 is largest). Within Tennessee alone, it ranks 340 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
At the 43rd national percentile, Atoka rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Atoka
Atoka's 60.8% 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 Atoka's 17,944-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Atoka, see the exposure-zones guide.