Hunter, TN
Hunter, TN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Hunter at the 78th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 1,272 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hunter at the 80th percentile, close to its 78th-percentile risk score.
What "at risk" means for the buildings here
1,272 buildings are counted in Hunter, and 72.5% 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 Hunter compares
There's little gap between Hunter's 78th national percentile and its 81st percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hunter ranks 7,066 for wildfire risk (1 is highest) and 10,239 by building count (1 is largest). Within Tennessee alone, it ranks 95 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 78th percentile nationally, Hunter carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Hunter (72.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Hunter's figures come from
Hunter's 78th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Hunter's dominant direct exposure actually means, with real examples from across the dataset.