Cumberland Gap, TN
Cumberland Gap, TN's wildfire risk, in USFS's own numbers
USFS scores Cumberland Gap at the 87th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 153 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cumberland Gap's burn probability — fire likelihood with no building count factored in — sits at the 90th percentile nationally.
Where Cumberland Gap's buildings actually sit
50.3% of Cumberland Gap's 153 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 49.7% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Cumberland Gap compares
Cumberland Gap scores 87th nationally and 98th 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 Gap ranks 4,014 for wildfire risk (1 is highest) and 26,776 by building count (1 is largest). Within Tennessee alone, it ranks 12 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
Cumberland Gap's 87th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Cumberland Gap
With ember exposure the dominant pattern in Cumberland Gap (50.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Cumberland Gap's 87th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Cumberland Gap, see the exposure-zones guide.