Bean Station, TN
How exposed is Bean Station to wildfire?
Bean Station sits at the 74th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 2,151 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bean Station at the 78th national percentile — 4 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Bean Station's buildings actually sit
Direct exposure dominates in Bean Station: 63.2% of its 2,151 buildings, versus 36.1% Indirect and 0.7% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Bean Station against the rest of the country
Bean Station's risk sits at a similar level relative to Tennessee (75th percentile statewide) as it does nationally (74th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Bean Station ranks 8,138 for wildfire risk (1 is highest) and 7,072 by building count (1 is largest). Within Tennessee alone, it ranks 125 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Bean Station
Bean Station's 74th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Bean Station
Because Direct exposure dominates in Bean Station (63.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Bean Station's figures come from
Every one of the two percentiles behind Bean Station's 8,138-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Bean Station's dominant direct exposure actually means, with real examples from across the dataset.