Crossville, TN
How exposed is Crossville to wildfire?
USFS scores Crossville at the 79th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 6,299 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Crossville at the 83rd national percentile — 4 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
49.5% of Crossville's 6,299 buildings sit in USFS's Direct exposure zone, roughly 3,118 structures close enough to burnable vegetation for flame contact, not just embers — 41.9% fall in the Indirect, ember-only zone and 8.6% are Minimal. At 6,299 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Crossville against the rest of the country
Crossville scores 79th nationally and 84th 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, Crossville ranks 6,632 for wildfire risk (1 is highest) and 2,757 by building count (1 is largest). Within Tennessee alone, it ranks 80 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Crossville and the insurance market
Crossville's high rating (79th 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.
Lowering exposure, not just insuring around it
Crossville's 49.5% 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 Crossville's figures come from
The methodology guide shows exactly how USFS turned 6,299 counted buildings into the percentiles shown above for Crossville. The exposure-zones guide covers what Crossville's dominant direct exposure actually means, with real examples from across the dataset.