Calhoun, TN
Calhoun, TN's wildfire risk, in USFS's own numbers
Calhoun sits at the 69th 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 365 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Calhoun at the 73rd national percentile — 4 points above its risk-to-structures score, a gap driven by how much is actually built there.
Calhoun's building exposure, zone by zone
USFS puts 62.5% of Calhoun's 365 buildings in the Indirect exposure zone, versus 37.5% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Calhoun ranks
There's little gap between Calhoun's 69th national percentile and its 63rd percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Calhoun ranks 9,845 for wildfire risk (1 is highest) and 19,970 by building count (1 is largest). Within Tennessee alone, it ranks 185 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Calhoun and the insurance market
Calhoun's 69th-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.
What would actually reduce this score
Because 62.5% of Calhoun's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 365 counted buildings into the percentiles shown above for Calhoun. For more on what indirect exposure implies beyond Calhoun, see the exposure-zones guide.