Baneberry, TN
Baneberry, TN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Baneberry at the 68th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 260 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Baneberry at the 72nd national percentile — 5 points above its risk-to-structures score, a gap driven by how much is actually built there.
Baneberry's building exposure, zone by zone
USFS classifies 91.2% of Baneberry's buildings as Direct exposure, higher than its 3.1% Indirect share and far above its 5.8% Minimal share — a profile where 237 structures sit close enough to vegetation that lot clearing matters most.
How Baneberry compares
Baneberry's risk sits at a similar level relative to Tennessee (61st percentile statewide) as it does nationally (68th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Baneberry ranks 10,223 for wildfire risk (1 is highest) and 22,839 by building count (1 is largest). Within Tennessee alone, it ranks 195 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Baneberry and the insurance market
At the 68th percentile nationally, Baneberry carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Baneberry
Because Direct exposure dominates in Baneberry (91.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Baneberry's figures come from
The methodology guide shows exactly how USFS turned 260 counted buildings into the percentiles shown above for Baneberry. The exposure-zones guide covers what Baneberry's dominant direct exposure actually means, with real examples from across the dataset.