Gallaway, TN
Gallaway wildfire risk explained
Out of every US place USFS scores, Gallaway lands at the 57th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 269 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Gallaway at the 59th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Gallaway's buildings actually sit
Indirect exposure is dominant in Gallaway (65.4% of 269 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 34.6% sit in the Direct zone.
Where Gallaway ranks
There's little gap between Gallaway's 57th national percentile and its 52nd percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Gallaway ranks 13,475 for wildfire risk (1 is highest) and 22,551 by building count (1 is largest). Within Tennessee alone, it ranks 244 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
At the 57th national percentile, Gallaway rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Gallaway's 65.4% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Gallaway's 57th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Gallaway, see the exposure-zones guide.