Centertown, TN
Centertown, TN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Centertown at the 42nd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 182 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Centertown's burn probability — fire likelihood with no building count factored in — sits at the 46th percentile nationally.
What "at risk" means for the buildings here
94.5% of Centertown's 182 buildings sit in USFS's Direct exposure zone, roughly 172 structures close enough to burnable vegetation for flame contact, not just embers — 3.3% fall in the Indirect, ember-only zone and 2.2% are Minimal.
How Centertown compares
Centertown scores 42nd nationally and 32nd 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, Centertown ranks 18,235 for wildfire risk (1 is highest) and 25,570 by building count (1 is largest). Within Tennessee alone, it ranks 344 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
Centertown's elevated wildfire rating (42nd 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
Centertown's 94.5% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Centertown's figures come from
The methodology guide shows exactly how USFS turned 182 counted buildings into the percentiles shown above for Centertown. The exposure-zones guide covers what Centertown's dominant direct exposure actually means, with real examples from across the dataset.