Cross Plains, TN
How exposed is Cross Plains to wildfire?
Cross Plains's 1,183 buildings earn a 20th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places 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 Cross Plains at the 21st percentile, close to its 20th-percentile risk score.
Where Cross Plains's buildings actually sit
Direct exposure dominates in Cross Plains: 89.8% of its 1,183 buildings, versus 10.1% Indirect and 0.2% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Cross Plains against the rest of the country
There's little gap between Cross Plains's 20th national percentile and its 5th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Cross Plains ranks 25,260 for wildfire risk (1 is highest) and 10,750 by building count (1 is largest). Within Tennessee alone, it ranks 475 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Cross Plains and the insurance market
At the 20th national percentile, Cross Plains rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Because Direct exposure dominates in Cross Plains (89.8%), 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
The methodology guide shows exactly how USFS turned 1,183 counted buildings into the percentiles shown above for Cross Plains. For more on what direct exposure implies beyond Cross Plains, see the exposure-zones guide.