Banner Hill, TN
Banner Hill, TN's wildfire risk, in USFS's own numbers
Banner Hill's 915 buildings earn a 79th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Banner Hill's burn probability — fire likelihood with no building count factored in — sits at the 81st percentile nationally.
Where Banner Hill's buildings actually sit
USFS puts 66.5% of Banner Hill's 915 buildings in the Indirect exposure zone, versus 33.6% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Banner Hill against the rest of the country
There's little gap between Banner Hill's 79th national percentile and its 84th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Banner Hill ranks 6,631 for wildfire risk (1 is highest) and 12,600 by building count (1 is largest). Within Tennessee alone, it ranks 79 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Banner Hill
At the 79th percentile nationally, Banner Hill 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.
What would actually reduce this score
With ember exposure the dominant pattern in Banner Hill (66.5% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Banner Hill's figures come from
Banner Hill's 79th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Banner Hill's dominant indirect exposure actually means, with real examples from across the dataset.