Jefferson City, TN
Jefferson City, TN's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Jefferson City lands at the 67th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 3,419 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 Jefferson City at the 72nd percentile, close to its 67th-percentile risk score.
Where Jefferson City's buildings actually sit
Indirect exposure is dominant in Jefferson City (63% of 3,419 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 36.9% sit in the Direct zone.
How Jefferson City compares
Jefferson City's risk sits at a similar level relative to Tennessee (61st percentile statewide) as it does nationally (67th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Jefferson City ranks 10,289 for wildfire risk (1 is highest) and 4,890 by building count (1 is largest). Within Tennessee alone, it ranks 198 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
Jefferson City's 67th-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.
Hardening a home in Jefferson City
With ember exposure the dominant pattern in Jefferson City (63% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Jefferson City's 10,289-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Jefferson City, see the exposure-zones guide.