Gainesboro, TN
Gainesboro, TN's wildfire risk, in USFS's own numbers
Gainesboro sits at the 38th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 525 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Gainesboro's burn probability — fire likelihood with no building count factored in — sits at the 41st percentile nationally.
Gainesboro's building exposure, zone by zone
USFS classifies 55.8% of Gainesboro's buildings as Direct exposure, higher than its 44.2% Indirect share and far above its 0% Minimal share — a profile where 293 structures sit close enough to vegetation that lot clearing matters most.
Where Gainesboro ranks
Gainesboro's risk sits at a similar level relative to Tennessee (27th percentile statewide) as it does nationally (38th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Gainesboro ranks 19,492 for wildfire risk (1 is highest) and 16,950 by building count (1 is largest). Within Tennessee alone, it ranks 365 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Gainesboro
Gainesboro's moderate rating (38th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Because Direct exposure dominates in Gainesboro (55.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Gainesboro's figures come from
The methodology guide shows exactly how USFS turned 525 counted buildings into the percentiles shown above for Gainesboro. The exposure-zones guide covers what Gainesboro's dominant direct exposure actually means, with real examples from across the dataset.