Childers Hill, TN
Childers Hill, TN's wildfire risk, in USFS's own numbers
USFS scores Childers Hill at the 67th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 71 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Childers Hill at the 69th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
71 buildings are counted in Childers Hill, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Childers Hill against the rest of the country
Childers Hill's risk sits at a similar level relative to Tennessee (59th percentile statewide) as it does nationally (67th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Childers Hill ranks 10,506 for wildfire risk (1 is highest) and 30,262 by building count (1 is largest). Within Tennessee alone, it ranks 205 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
Childers Hill's high rating (67th 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.
What would actually reduce this score
With 100% of Childers Hill in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 71 counted buildings into the percentiles shown above for Childers Hill. For more on what direct exposure implies beyond Childers Hill, see the exposure-zones guide.