Hillsboro, TN
How exposed is Hillsboro to wildfire?
Hillsboro's 370 buildings earn a 47th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hillsboro at the 49th percentile, close to its 47th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Hillsboro: 78.1% of its 370 buildings, versus 7.8% Indirect and 14.1% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Hillsboro ranks
Hillsboro scores 47th nationally and 37th 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, Hillsboro ranks 16,779 for wildfire risk (1 is highest) and 19,872 by building count (1 is largest). Within Tennessee alone, it ranks 316 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Hillsboro
Hillsboro's elevated wildfire rating (47th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
With 78.1% of Hillsboro 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.
Where Hillsboro's figures come from
The methodology guide shows exactly how USFS turned 370 counted buildings into the percentiles shown above for Hillsboro. The exposure-zones guide covers what Hillsboro's dominant direct exposure actually means, with real examples from across the dataset.