Fairfield, TN
Fairfield wildfire risk explained
Out of every US place USFS scores, Fairfield lands at the 26th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 103 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 Fairfield at the 28th percentile, close to its 26th-percentile risk score.
Fairfield's building exposure, zone by zone
103 buildings are counted in Fairfield, and 93.2% 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.
How Fairfield compares
Fairfield ranks lower within Tennessee (11th percentile statewide) than its 26th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Fairfield ranks 23,339 for wildfire risk (1 is highest) and 28,923 by building count (1 is largest). Within Tennessee alone, it ranks 448 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Fairfield and the insurance market
Fairfield's moderate rating (26th 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
Because Direct exposure dominates in Fairfield (93.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Fairfield's 26th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Fairfield, see the exposure-zones guide.