Covington, TN
Covington wildfire risk explained
Out of every US place USFS scores, Covington lands at the 21st percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 4,002 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Covington's burn probability — fire likelihood with no building count factored in — sits at the 22nd percentile nationally.
Covington's building exposure, zone by zone
USFS classifies 72.8% of Covington's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 26.7% Direct and 0.5% Indirect — a landscape-level risk rather than a building-by-building one.
Covington against the rest of the country
Covington scores 21st nationally and 7th 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, Covington ranks 24,975 for wildfire risk (1 is highest) and 4,242 by building count (1 is largest). Within Tennessee alone, it ranks 469 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
At the 21st national percentile, Covington rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Covington
With 72.8% of buildings rated Minimal exposure, Covington gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Covington's figures come from
The methodology guide shows exactly how USFS turned 4,002 counted buildings into the percentiles shown above for Covington. The exposure-zones guide covers what Covington's dominant minimal exposure actually means, with real examples from across the dataset.