Iron City, TN
Iron City wildfire risk explained
Out of every US place USFS scores, Iron City lands at the 57th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 228 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Iron City at the 60th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Iron City's building exposure, zone by zone
Of Iron City's 228 counted buildings, 65.8% 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 Iron City compares
Iron City's risk sits at a similar level relative to Tennessee (51st percentile statewide) as it does nationally (57th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Iron City ranks 13,690 for wildfire risk (1 is highest) and 23,872 by building count (1 is largest). Within Tennessee alone, it ranks 248 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
Iron City's elevated wildfire rating (57th 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 65.8% of Iron City 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.
More on how this number was built
Every one of the two percentiles behind Iron City's 13,690-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Iron City, see the exposure-zones guide.