Humboldt, TN
Humboldt wildfire risk explained
USFS scores Humboldt at the 27th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 4,402 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 Humboldt at the 28th percentile, close to its 27th-percentile risk score.
What "at risk" means for the buildings here
Most of Humboldt's buildings (63.8% of 4,402) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Humboldt against the rest of the country
Humboldt's risk sits at a similar level relative to Tennessee (13th percentile statewide) as it does nationally (27th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Humboldt ranks 22,960 for wildfire risk (1 is highest) and 3,882 by building count (1 is largest). Within Tennessee alone, it ranks 438 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Humboldt and the insurance market
Humboldt's moderate rating (27th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Even with 63.8% of Humboldt outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Humboldt's 27th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Humboldt, see the exposure-zones guide.