Fairgarden, TN
How exposed is Fairgarden to wildfire?
Fairgarden sits at the 79th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 323 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fairgarden at the 83rd national percentile — 4 points above its risk-to-structures score, a gap driven by how much is actually built there.
Fairgarden's building exposure, zone by zone
323 buildings are counted in Fairgarden, and 89.8% 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 Fairgarden compares
Fairgarden's risk sits at a similar level relative to Tennessee (84th percentile statewide) as it does nationally (79th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Fairgarden ranks 6,723 for wildfire risk (1 is highest) and 21,024 by building count (1 is largest). Within Tennessee alone, it ranks 82 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Fairgarden
Fairgarden's 79th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Fairgarden
With 89.8% of Fairgarden in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Fairgarden's figures come from
Every one of the two percentiles behind Fairgarden's 6,723-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Fairgarden's dominant direct exposure actually means, with real examples from across the dataset.