Bruceton, TN
How exposed is Bruceton to wildfire?
USFS scores Bruceton at the 49th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 946 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bruceton at the 51st national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Bruceton's building exposure, zone by zone
Direct exposure dominates in Bruceton: 67.2% of its 946 buildings, versus 32.8% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Bruceton against the rest of the country
Bruceton's risk sits at a similar level relative to Tennessee (41st percentile statewide) as it does nationally (49th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Bruceton ranks 16,025 for wildfire risk (1 is highest) and 12,338 by building count (1 is largest). Within Tennessee alone, it ranks 298 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Bruceton and the insurance market
Bruceton's elevated wildfire rating (49th 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.
What would actually reduce this score
Because Direct exposure dominates in Bruceton (67.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Bruceton's 49th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Bruceton, see the exposure-zones guide.