Germantown, TN
How exposed is Germantown to wildfire?
Germantown's 15,738 buildings earn a 62nd-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Germantown at the 65th percentile, close to its 62nd-percentile risk score.
Germantown's building exposure, zone by zone
USFS classifies 47.9% of Germantown's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 23.3% Direct and 28.8% Indirect — a landscape-level risk rather than a building-by-building one. At 15,738 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Germantown ranks
Germantown's risk sits at a similar level relative to Tennessee (54th percentile statewide) as it does nationally (62nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Germantown ranks 11,957 for wildfire risk (1 is highest) and 932 by building count (1 is largest). Within Tennessee alone, it ranks 232 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Germantown and the insurance market
Germantown's high rating (62nd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Germantown
Germantown's 47.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Germantown's 62nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Germantown, see the exposure-zones guide.