Finley, TN
Finley, TN's wildfire risk, in USFS's own numbers
Finley's 479 buildings earn a 29th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Finley at the 30th percentile, close to its 29th-percentile risk score.
Finley's building exposure, zone by zone
479 buildings are counted in Finley, and 61.8% of them are Indirect exposure — ember-driven risk rather than the 38.2% in Direct exposure or the 0% rated Minimal.
Finley against the rest of the country
There's little gap between Finley's 29th national percentile and its 16th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Finley ranks 22,451 for wildfire risk (1 is highest) and 17,735 by building count (1 is largest). Within Tennessee alone, it ranks 422 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
Finley's moderate rating (29th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Finley
With ember exposure the dominant pattern in Finley (61.8% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 479 counted buildings into the percentiles shown above for Finley. For more on what indirect exposure implies beyond Finley, see the exposure-zones guide.