Darden, TN
How exposed is Darden to wildfire?
USFS scores Darden at the 51st national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 350 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Darden at the 53rd percentile, close to its 51st-percentile risk score.
Where Darden's buildings actually sit
Direct exposure dominates in Darden: 96.3% of its 350 buildings, versus 3.7% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Darden against the rest of the country
Darden's risk sits at a similar level relative to Tennessee (44th percentile statewide) as it does nationally (51st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Darden ranks 15,614 for wildfire risk (1 is highest) and 20,320 by building count (1 is largest). Within Tennessee alone, it ranks 282 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Darden
Darden's elevated wildfire rating (51st percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Darden's 96.3% 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.
More on how this number was built
Every one of the two percentiles behind Darden's 15,614-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Darden, see the exposure-zones guide.