Clarksburg, TN
Clarksburg wildfire risk explained
Clarksburg's 282 buildings earn a 45th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Clarksburg at the 46th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Clarksburg's buildings actually sit
93.3% of Clarksburg's 282 buildings sit in USFS's Direct exposure zone, roughly 263 structures close enough to burnable vegetation for flame contact, not just embers — 6.7% fall in the Indirect, ember-only zone and 0% are Minimal.
Clarksburg against the rest of the country
Clarksburg's risk sits at a similar level relative to Tennessee (35th percentile statewide) as it does nationally (45th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Clarksburg ranks 17,441 for wildfire risk (1 is highest) and 22,136 by building count (1 is largest). Within Tennessee alone, it ranks 328 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
Clarksburg's elevated wildfire rating (45th 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.
Hardening a home in Clarksburg
Because Direct exposure dominates in Clarksburg (93.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 282 counted buildings into the percentiles shown above for Clarksburg. For more on what direct exposure implies beyond Clarksburg, see the exposure-zones guide.