Centerville, TN
Centerville wildfire risk explained
USFS scores Centerville at the 51st national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 2,127 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Centerville at the 54th percentile, close to its 51st-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Centerville: 78.8% of its 2,127 buildings, versus 21.2% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Centerville compares
There's little gap between Centerville's 51st national percentile and its 44th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Centerville ranks 15,457 for wildfire risk (1 is highest) and 7,125 by building count (1 is largest). Within Tennessee alone, it ranks 280 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Centerville and the insurance market
Centerville's elevated wildfire rating (51st 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
Centerville's 78.8% 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.
More on how this number was built
Every one of the two percentiles behind Centerville's 15,457-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Centerville, see the exposure-zones guide.