Collierville, TN
How exposed is Collierville to wildfire?
Collierville sits at the 70th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 17,993 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Collierville at the 73rd national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Collierville's buildings actually sit
Most of Collierville's buildings (50.1%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone. At 17,993 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Collierville ranks
There's little gap between Collierville's 70th national percentile and its 66th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Collierville ranks 9,497 for wildfire risk (1 is highest) and 799 by building count (1 is largest). Within Tennessee alone, it ranks 172 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
Collierville's high rating (70th 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
Collierville's 50.1% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Collierville's 9,497-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Collierville, see the exposure-zones guide.