Coalmont, TN
How exposed is Coalmont to wildfire?
Out of every US place USFS scores, Coalmont lands at the 83rd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 672 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Coalmont's burn probability — fire likelihood with no building count factored in — sits at the 86th percentile nationally.
What "at risk" means for the buildings here
Of Coalmont's 672 counted buildings, 97.2% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Coalmont ranks
Coalmont scores 83rd nationally and 91st within Tennessee — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Coalmont ranks 5,399 for wildfire risk (1 is highest) and 14,954 by building count (1 is largest). Within Tennessee alone, it ranks 47 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Coalmont and the insurance market
Coalmont'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.
Hardening a home in Coalmont
Because Direct exposure dominates in Coalmont (97.2%), 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
Every one of the two percentiles behind Coalmont's 5,399-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Coalmont, see the exposure-zones guide.