Greeneville, TN
Greeneville wildfire risk explained
Greeneville sits at the 71st percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 8,158 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Greeneville's burn probability — fire likelihood with no building count factored in — sits at the 76th percentile nationally.
Where Greeneville's buildings actually sit
USFS puts 58.3% of Greeneville's 8,158 buildings in the Indirect exposure zone, versus 34.7% Direct and 7% Minimal — a place where the fire doesn't need to reach the structure directly for embers to. At 8,158 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Greeneville ranks
Greeneville scores 71st nationally and 68th within Tennessee — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Greeneville ranks 9,180 for wildfire risk (1 is highest) and 2,058 by building count (1 is largest). Within Tennessee alone, it ranks 160 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
Greeneville's 71st-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Greeneville
With ember exposure the dominant pattern in Greeneville (58.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Greeneville's figures come from
The methodology guide shows exactly how USFS turned 8,158 counted buildings into the percentiles shown above for Greeneville. The exposure-zones guide covers what Greeneville's dominant indirect exposure actually means, with real examples from across the dataset.