Gallatin, TN
How exposed is Gallatin to wildfire?
USFS scores Gallatin at the 21st national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 16,486 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Gallatin at the 24th percentile, close to its 21st-percentile risk score.
Where Gallatin's buildings actually sit
16,486 buildings are counted in Gallatin, and 42.9% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 32.8% rated Minimal. At 16,486 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Gallatin compares
Gallatin's risk sits at a similar level relative to Tennessee (7th percentile statewide) as it does nationally (21st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Gallatin ranks 24,782 for wildfire risk (1 is highest) and 880 by building count (1 is largest). Within Tennessee alone, it ranks 465 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Gallatin
Gallatin's moderate wildfire rating (21st 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
With 42.9% of Gallatin 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
Gallatin's 21st-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 Gallatin, see the exposure-zones guide.