Coalfield, TN
How exposed is Coalfield to wildfire?
Coalfield's 1,543 buildings earn a 83rd-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Coalfield at the 86th percentile, close to its 83rd-percentile risk score.
Coalfield's building exposure, zone by zone
USFS classifies 89.8% of Coalfield's buildings as Direct exposure, higher than its 10.2% Indirect share and far above its 0% Minimal share — a profile where 1,385 structures sit close enough to vegetation that lot clearing matters most.
Coalfield against the rest of the country
There's little gap between Coalfield's 83rd national percentile and its 91st percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Coalfield ranks 5,398 for wildfire risk (1 is highest) and 8,974 by building count (1 is largest). Within Tennessee alone, it ranks 46 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
Coalfield's very high rating (83rd 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
Coalfield's 89.8% 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.
Where Coalfield's figures come from
The methodology guide shows exactly how USFS turned 1,543 counted buildings into the percentiles shown above for Coalfield. The exposure-zones guide covers what Coalfield's dominant direct exposure actually means, with real examples from across the dataset.