Grimsley, TN
Grimsley, TN's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Grimsley lands at the 82nd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 902 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Grimsley at the 85th national percentile — 4 points above its risk-to-structures score, a gap driven by how much is actually built there.
Grimsley's building exposure, zone by zone
98.2% of Grimsley's 902 buildings sit in USFS's Direct exposure zone, roughly 886 structures close enough to burnable vegetation for flame contact, not just embers — 1.8% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Grimsley ranks
Grimsley scores 82nd nationally and 90th 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, Grimsley ranks 5,747 for wildfire risk (1 is highest) and 12,710 by building count (1 is largest). Within Tennessee alone, it ranks 53 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
Grimsley's 82nd-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.
Hardening a home in Grimsley
Because Direct exposure dominates in Grimsley (98.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Grimsley's figures come from
Grimsley's 82nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Grimsley's dominant direct exposure actually means, with real examples from across the dataset.