Farner, TN
How exposed is Farner to wildfire?
USFS scores Farner at the 91st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 195 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Farner's burn probability — fire likelihood with no building count factored in — sits at the 92nd percentile nationally.
Farner's building exposure, zone by zone
Of Farner's 195 counted buildings, 99% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Farner against the rest of the country
There's little gap between Farner's 91st national percentile and its 100th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Farner ranks 2,844 for wildfire risk (1 is highest) and 25,047 by building count (1 is largest). Within Tennessee alone, it ranks 4 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Farner and the insurance market
Farner's 91st-percentile, very 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Farner (99%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Farner's figures come from
Farner's 91st-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 Farner's dominant direct exposure actually means, with real examples from across the dataset.