Henderson, TN
How exposed is Henderson to wildfire?
USFS scores Henderson at the 48th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 2,824 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Henderson at the 50th percentile, close to its 48th-percentile risk score.
What "at risk" means for the buildings here
2,824 buildings are counted in Henderson, and 58.1% 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 Henderson ranks
Henderson's risk sits at a similar level relative to Tennessee (39th percentile statewide) as it does nationally (48th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Henderson ranks 16,497 for wildfire risk (1 is highest) and 5,715 by building count (1 is largest). Within Tennessee alone, it ranks 305 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
At the 48th national percentile, Henderson rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Because Direct exposure dominates in Henderson (58.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Henderson's figures come from
The methodology guide shows exactly how USFS turned 2,824 counted buildings into the percentiles shown above for Henderson. The exposure-zones guide covers what Henderson's dominant direct exposure actually means, with real examples from across the dataset.