Hornbeak, TN
Hornbeak, TN's wildfire risk, in USFS's own numbers
Hornbeak sits at the 45th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 380 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hornbeak at the 47th percentile, close to its 45th-percentile risk score.
Hornbeak's building exposure, zone by zone
Of Hornbeak's 380 counted buildings, 81.8% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Hornbeak compares
Hornbeak scores 45th nationally and 36th 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, Hornbeak ranks 17,250 for wildfire risk (1 is highest) and 19,658 by building count (1 is largest). Within Tennessee alone, it ranks 323 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 45th national percentile, Hornbeak 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
Hornbeak's 81.8% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 380 counted buildings into the percentiles shown above for Hornbeak. For more on what direct exposure implies beyond Hornbeak, see the exposure-zones guide.