Ducktown, TN
How exposed is Ducktown to wildfire?
Out of every US place USFS scores, Ducktown lands at the 92nd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 397 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ducktown at the 94th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Ducktown's buildings actually sit
397 buildings are counted in Ducktown, and 52.9% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Ducktown ranks
Ducktown scores 92nd nationally and 100th 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, Ducktown ranks 2,434 for wildfire risk (1 is highest) and 19,283 by building count (1 is largest). Within Tennessee alone, it ranks 2 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
Ducktown's very high rating (92nd 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.
Lowering exposure, not just insuring around it
Ducktown's 52.9% 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 Ducktown's figures come from
Ducktown's 92nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Ducktown's dominant direct exposure actually means, with real examples from across the dataset.