Kimball, TN
Kimball, TN's wildfire risk, in USFS's own numbers
USFS scores Kimball at the 80th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 941 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Kimball at the 83rd national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
64.6% of Kimball's 941 buildings sit in USFS's Direct exposure zone, roughly 608 structures close enough to burnable vegetation for flame contact, not just embers — 35.4% fall in the Indirect, ember-only zone and 0% are Minimal.
Kimball against the rest of the country
Kimball scores 80th nationally and 86th within Tennessee — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Kimball ranks 6,441 for wildfire risk (1 is highest) and 12,388 by building count (1 is largest). Within Tennessee alone, it ranks 72 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 80th percentile nationally, Kimball 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
Kimball's 64.6% 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 Kimball's figures come from
Every one of the two percentiles behind Kimball's 6,441-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Kimball's dominant direct exposure actually means, with real examples from across the dataset.