Graball, TN
Graball wildfire risk explained
USFS's Wildfire Risk to Communities model puts Graball at the 27th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 160 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Graball's burn probability — fire likelihood with no building count factored in — sits at the 29th percentile nationally.
Where Graball's buildings actually sit
USFS classifies 100% of Graball's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 160 structures sit close enough to vegetation that lot clearing matters most.
Graball against the rest of the country
Graball's risk sits at a similar level relative to Tennessee (12th percentile statewide) as it does nationally (27th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Graball ranks 23,143 for wildfire risk (1 is highest) and 26,455 by building count (1 is largest). Within Tennessee alone, it ranks 442 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
Graball's moderate rating (27th 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
Graball's 100% 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.
More on how this number was built
Graball's 27th-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 Graball, see the exposure-zones guide.