Bradford, TN
How exposed is Bradford to wildfire?
Bradford sits at the 41st percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 698 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bradford's burn probability — fire likelihood with no building count factored in — sits at the 43rd percentile nationally.
What "at risk" means for the buildings here
77.7% of Bradford's 698 buildings sit in USFS's Direct exposure zone, roughly 542 structures close enough to burnable vegetation for flame contact, not just embers — 22.4% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Bradford ranks
There's little gap between Bradford's 41st national percentile and its 31st percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Bradford ranks 18,513 for wildfire risk (1 is highest) and 14,682 by building count (1 is largest). Within Tennessee alone, it ranks 349 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
What this risk score means for insurance
Bradford's elevated rating (41st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 77.7% of Bradford 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.
More on how this number was built
Every one of the two percentiles behind Bradford's 18,513-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Bradford, see the exposure-zones guide.