Harrison, TN
How exposed is Harrison to wildfire?
Harrison sits at the 68th 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 3,408 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Harrison's burn probability — fire likelihood with no building count factored in — sits at the 71st percentile nationally.
Harrison's building exposure, zone by zone
Direct exposure dominates in Harrison: 75.7% of its 3,408 buildings, versus 22.8% Indirect and 1.5% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Harrison ranks
Harrison scores 68th nationally and 62nd 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, Harrison ranks 10,066 for wildfire risk (1 is highest) and 4,907 by building count (1 is largest). Within Tennessee alone, it ranks 190 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Harrison and the insurance market
At the 68th percentile nationally, Harrison carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Harrison (75.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Harrison's 10,066-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Harrison, see the exposure-zones guide.