Harrogate, TN
How exposed is Harrogate to wildfire?
Harrogate sits at the 88th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 2,409 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Harrogate at the 91st national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Harrogate's buildings actually sit
USFS classifies 62.2% of Harrogate's buildings as Direct exposure, higher than its 37.8% Indirect share and far above its 0% Minimal share — a profile where 1,499 structures sit close enough to vegetation that lot clearing matters most.
Where Harrogate ranks
Harrogate scores 88th nationally and 99th 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, Harrogate ranks 3,664 for wildfire risk (1 is highest) and 6,497 by building count (1 is largest). Within Tennessee alone, it ranks 7 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
Harrogate's 88th-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 Harrogate (62.2%), 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 Harrogate's 3,664-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Harrogate, see the exposure-zones guide.