Jacks Creek, TN
Jacks Creek wildfire risk explained
Out of every US place USFS scores, Jacks Creek lands at the 53rd percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 67 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Jacks Creek at the 56th percentile, close to its 53rd-percentile risk score.
Jacks Creek's building exposure, zone by zone
100% of Jacks Creek's 67 buildings sit in USFS's Direct exposure zone, roughly 67 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Jacks Creek against the rest of the country
There's little gap between Jacks Creek's 53rd national percentile and its 47th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Jacks Creek ranks 14,701 for wildfire risk (1 is highest) and 30,400 by building count (1 is largest). Within Tennessee alone, it ranks 267 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
Jacks Creek's elevated rating (53rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Jacks Creek
Jacks Creek's 100% 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.
Where Jacks Creek's figures come from
Jacks Creek's 53rd-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 Jacks Creek's dominant direct exposure actually means, with real examples from across the dataset.