Harriman, TN
Harriman wildfire risk explained
Harriman sits at the 78th 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 3,385 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Harriman at the 81st percentile, close to its 78th-percentile risk score.
What "at risk" means for the buildings here
3,385 buildings are counted in Harriman, and 68.4% of them are Indirect exposure — ember-driven risk rather than the 31.6% in Direct exposure or the 0% rated Minimal.
Where Harriman ranks
Harriman scores 78th nationally and 83rd 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, Harriman ranks 6,949 for wildfire risk (1 is highest) and 4,935 by building count (1 is largest). Within Tennessee alone, it ranks 88 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Harriman and the insurance market
Harriman's high rating (78th 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.
Lowering exposure, not just insuring around it
Because 68.4% of Harriman's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Harriman's figures come from
Every one of the two percentiles behind Harriman's 6,949-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Harriman's dominant indirect exposure actually means, with real examples from across the dataset.