Caryville, TN
How exposed is Caryville to wildfire?
Out of every US place USFS scores, Caryville lands at the 85th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 1,461 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Caryville's burn probability — fire likelihood with no building count factored in — sits at the 87th percentile nationally.
Where Caryville's buildings actually sit
Indirect exposure is dominant in Caryville (50.2% of 1,461 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 49.8% sit in the Direct zone.
Where Caryville ranks
There's little gap between Caryville's 85th national percentile and its 95th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Caryville ranks 4,771 for wildfire risk (1 is highest) and 9,349 by building count (1 is largest). Within Tennessee alone, it ranks 27 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
Caryville's very high rating (85th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Caryville
Caryville's 50.2% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,461 counted buildings into the percentiles shown above for Caryville. For more on what indirect exposure implies beyond Caryville, see the exposure-zones guide.