Cleveland, TN
How exposed is Cleveland to wildfire?
Cleveland's 17,224 buildings earn a 67th-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.)
Separately from the risk score above, Cleveland's burn probability — fire likelihood with no building count factored in — sits at the 72nd percentile nationally.
Where Cleveland's buildings actually sit
USFS classifies 40.5% of Cleveland's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 25.4% Direct and 34.1% Indirect — a landscape-level risk rather than a building-by-building one. At 17,224 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Cleveland ranks
There's little gap between Cleveland's 67th national percentile and its 61st percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Cleveland ranks 10,314 for wildfire risk (1 is highest) and 836 by building count (1 is largest). Within Tennessee alone, it ranks 199 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Cleveland
Cleveland'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.
Lowering exposure, not just insuring around it
Cleveland's 40.5% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Cleveland's figures come from
Every one of the two percentiles behind Cleveland's 10,314-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Cleveland's dominant minimal exposure actually means, with real examples from across the dataset.