Friendship, TN
Friendship, TN's wildfire risk, in USFS's own numbers
USFS scores Friendship at the 16th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 352 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Friendship's burn probability — fire likelihood with no building count factored in — sits at the 15th percentile nationally.
Friendship's building exposure, zone by zone
Direct exposure dominates in Friendship: 67.9% of its 352 buildings, versus 0% Indirect and 32.1% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Friendship against the rest of the country
There's little gap between Friendship's 16th national percentile and its 4th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Friendship ranks 26,357 for wildfire risk (1 is highest) and 20,268 by building count (1 is largest). Within Tennessee alone, it ranks 482 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
Friendship's low wildfire rating (16th 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.
What would actually reduce this score
Friendship's 67.9% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Friendship's figures come from
Every one of the two percentiles behind Friendship's 26,357-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Friendship's dominant direct exposure actually means, with real examples from across the dataset.