Fairmount, TN
How exposed is Fairmount to wildfire?
Fairmount sits at the 81st percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 1,067 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fairmount at the 84th 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
USFS classifies 98.9% of Fairmount's buildings as Direct exposure, higher than its 1.1% Indirect share and far above its 0% Minimal share — a profile where 1,055 structures sit close enough to vegetation that lot clearing matters most.
Where Fairmount ranks
Fairmount's risk sits at a similar level relative to Tennessee (87th percentile statewide) as it does nationally (81st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Fairmount ranks 6,062 for wildfire risk (1 is highest) and 11,480 by building count (1 is largest). Within Tennessee alone, it ranks 65 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
Fairmount's very high rating (81st 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.
What would actually reduce this score
Because Direct exposure dominates in Fairmount (98.9%), 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
The methodology guide shows exactly how USFS turned 1,067 counted buildings into the percentiles shown above for Fairmount. For more on what direct exposure implies beyond Fairmount, see the exposure-zones guide.