Hickory Valley, TN
Hickory Valley, TN's wildfire risk, in USFS's own numbers
Hickory Valley's 121 buildings earn a 69th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hickory Valley's burn probability — fire likelihood with no building count factored in — sits at the 72nd percentile nationally.
Where Hickory Valley's buildings actually sit
121 buildings are counted in Hickory Valley, and 65.3% 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.
How Hickory Valley compares
Hickory Valley scores 69th nationally and 65th 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, Hickory Valley ranks 9,685 for wildfire risk (1 is highest) and 28,135 by building count (1 is largest). Within Tennessee alone, it ranks 178 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
Hickory Valley's high rating (69th 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
With 65.3% of Hickory Valley in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Hickory Valley's 69th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Hickory Valley, see the exposure-zones guide.