Dover, TN
Dover wildfire risk explained
Out of every US place USFS scores, Dover lands at the 47th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 907 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Dover at the 50th 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
Direct exposure dominates in Dover: 82.6% of its 907 buildings, versus 17% Indirect and 0.4% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Dover ranks
There's little gap between Dover's 47th national percentile and its 38th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Dover ranks 16,719 for wildfire risk (1 is highest) and 12,664 by building count (1 is largest). Within Tennessee alone, it ranks 314 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
Dover's elevated rating (47th 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
Dover's 82.6% 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
The methodology guide shows exactly how USFS turned 907 counted buildings into the percentiles shown above for Dover. For more on what direct exposure implies beyond Dover, see the exposure-zones guide.