Beech Bluff, TN
Beech Bluff wildfire risk explained
USFS's Wildfire Risk to Communities model puts Beech Bluff at the 47th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 281 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Beech Bluff's burn probability — fire likelihood with no building count factored in — sits at the 50th percentile nationally.
Where Beech Bluff's buildings actually sit
Direct exposure dominates in Beech Bluff: 95.4% of its 281 buildings, versus 4.6% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Beech Bluff compares
Beech Bluff scores 47th nationally and 38th within Tennessee — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Beech Bluff ranks 16,590 for wildfire risk (1 is highest) and 22,166 by building count (1 is largest). Within Tennessee alone, it ranks 311 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Beech Bluff
Beech Bluff's elevated wildfire rating (47th 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 Beech Bluff
With 95.4% of Beech Bluff in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Beech Bluff's figures come from
Every one of the two percentiles behind Beech Bluff's 16,590-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Beech Bluff's dominant direct exposure actually means, with real examples from across the dataset.