Church Hill, TN
How exposed is Church Hill to wildfire?
Church Hill's 3,592 buildings earn a 76th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Church Hill at the 80th national percentile — 5 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Church Hill's buildings actually sit
62.9% of Church Hill's 3,592 buildings sit in USFS's Direct exposure zone, roughly 2,258 structures close enough to burnable vegetation for flame contact, not just embers — 37.1% fall in the Indirect, ember-only zone and 0% are Minimal.
How Church Hill compares
There's little gap between Church Hill's 76th national percentile and its 78th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Church Hill ranks 7,670 for wildfire risk (1 is highest) and 4,660 by building count (1 is largest). Within Tennessee alone, it ranks 110 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
Church Hill's high rating (76th 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Church Hill (62.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Church Hill's figures come from
Every one of the two percentiles behind Church Hill's 7,670-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Church Hill's dominant direct exposure actually means, with real examples from across the dataset.