Decherd, TN
Decherd, TN's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Decherd lands at the 40th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 1,565 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Decherd's burn probability — fire likelihood with no building count factored in — sits at the 43rd percentile nationally.
Decherd's building exposure, zone by zone
USFS classifies 62.6% of Decherd's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 37.4% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Decherd compares
Decherd scores 40th nationally and 29th 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, Decherd ranks 19,049 for wildfire risk (1 is highest) and 8,906 by building count (1 is largest). Within Tennessee alone, it ranks 357 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
At the 40th national percentile, Decherd rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With 62.6% of buildings rated Minimal exposure, Decherd gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Decherd's 40th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Decherd, see the exposure-zones guide.