Decatur, TN
Decatur wildfire risk explained
Out of every US place USFS scores, Decatur lands at the 74th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 931 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Decatur at the 78th percentile, close to its 74th-percentile risk score.
Where Decatur's buildings actually sit
Direct exposure dominates in Decatur: 63.8% of its 931 buildings, versus 36.2% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Decatur ranks
There's little gap between Decatur's 74th national percentile and its 73rd percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Decatur ranks 8,265 for wildfire risk (1 is highest) and 12,466 by building count (1 is largest). Within Tennessee alone, it ranks 135 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Decatur
Decatur's high rating (74th 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.
Hardening a home in Decatur
Decatur's 63.8% 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 Decatur's figures come from
Every one of the two percentiles behind Decatur's 8,265-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Decatur's dominant direct exposure actually means, with real examples from across the dataset.