Finger, TN
Finger, TN's wildfire risk, in USFS's own numbers
Finger's 208 buildings earn a 58th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Finger at the 60th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Finger's building exposure, zone by zone
Of Finger's 208 counted buildings, 93.8% 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.
Where Finger ranks
There's little gap between Finger's 58th national percentile and its 52nd percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Finger ranks 13,375 for wildfire risk (1 is highest) and 24,577 by building count (1 is largest). Within Tennessee alone, it ranks 242 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
Finger's elevated wildfire rating (58th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Finger (93.8%), 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
Finger's 58th-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 Finger, see the exposure-zones guide.