Cumberland City, TN
Cumberland City wildfire risk explained
Cumberland City's 355 buildings earn a 48th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cumberland City at the 51st national percentile — 3 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
70.4% of Cumberland City's 355 buildings sit in USFS's Direct exposure zone, roughly 250 structures close enough to burnable vegetation for flame contact, not just embers — 29% fall in the Indirect, ember-only zone and 0.6% are Minimal.
Cumberland City against the rest of the country
Cumberland City scores 48th nationally and 40th 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, Cumberland City ranks 16,277 for wildfire risk (1 is highest) and 20,203 by building count (1 is largest). Within Tennessee alone, it ranks 302 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Cumberland City
Cumberland City's elevated rating (48th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 70.4% of Cumberland City in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Cumberland City's 48th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Cumberland City, see the exposure-zones guide.