Hornsby, TN
Hornsby wildfire risk explained
Hornsby sits at the 61st percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 207 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hornsby's burn probability — fire likelihood with no building count factored in — sits at the 64th percentile nationally.
Where Hornsby's buildings actually sit
207 buildings are counted in Hornsby, and 68.6% 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 Hornsby compares
There's little gap between Hornsby's 61st national percentile and its 53rd percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hornsby ranks 12,302 for wildfire risk (1 is highest) and 24,622 by building count (1 is largest). Within Tennessee alone, it ranks 235 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Hornsby
Hornsby's 61st-percentile, 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
Hornsby's 68.6% 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
Hornsby's 61st-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 Hornsby, see the exposure-zones guide.