Bolivar, TN
How exposed is Bolivar to wildfire?
USFS scores Bolivar at the 63rd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 2,797 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bolivar at the 66th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Bolivar's building exposure, zone by zone
2,797 buildings are counted in Bolivar, and 55.3% of them are Indirect exposure — ember-driven risk rather than the 44.7% in Direct exposure or the 0% rated Minimal.
Bolivar against the rest of the country
Bolivar scores 63rd nationally and 55th 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, Bolivar ranks 11,736 for wildfire risk (1 is highest) and 5,769 by building count (1 is largest). Within Tennessee alone, it ranks 228 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Bolivar and the insurance market
At the 63rd percentile nationally, Bolivar 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 Bolivar
Bolivar's 55.3% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Bolivar's figures come from
Every one of the two percentiles behind Bolivar's 11,736-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Bolivar's dominant indirect exposure actually means, with real examples from across the dataset.