Flat Top Mountain, TN
Flat Top Mountain, TN's wildfire risk, in USFS's own numbers
Flat Top Mountain sits at the 84th 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 389 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Flat Top Mountain at the 86th 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
389 buildings are counted in Flat Top Mountain, and 100% 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.
Flat Top Mountain against the rest of the country
Flat Top Mountain scores 84th nationally and 93rd within Tennessee — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Flat Top Mountain ranks 5,207 for wildfire risk (1 is highest) and 19,434 by building count (1 is largest). Within Tennessee alone, it ranks 36 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Flat Top Mountain and the insurance market
At the 84th percentile nationally, Flat Top Mountain carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Flat Top Mountain
With 100% of Flat Top Mountain 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.
More on how this number was built
Every one of the two percentiles behind Flat Top Mountain's 5,207-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Flat Top Mountain, see the exposure-zones guide.