Griffith Creek, TN
How exposed is Griffith Creek to wildfire?
Griffith Creek's 356 buildings earn a 84th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Griffith Creek's burn probability — fire likelihood with no building count factored in — sits at the 86th percentile nationally.
What "at risk" means for the buildings here
356 buildings are counted in Griffith Creek, and 94.7% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Griffith Creek ranks
Griffith Creek's risk sits at a similar level relative to Tennessee (93rd percentile statewide) as it does nationally (84th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Griffith Creek ranks 5,208 for wildfire risk (1 is highest) and 20,169 by building count (1 is largest). Within Tennessee alone, it ranks 37 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
Griffith Creek's 84th-percentile, very 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Griffith Creek (94.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Griffith Creek's figures come from
Every one of the two percentiles behind Griffith Creek's 5,208-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Griffith Creek's dominant direct exposure actually means, with real examples from across the dataset.