Lobelville, TN
Lobelville wildfire risk explained
Lobelville sits at the 53rd percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 701 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lobelville at the 56th 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
82.2% of Lobelville's 701 buildings sit in USFS's Direct exposure zone, roughly 576 structures close enough to burnable vegetation for flame contact, not just embers — 17.8% fall in the Indirect, ember-only zone and 0% are Minimal.
How Lobelville compares
Lobelville's risk sits at a similar level relative to Tennessee (47th percentile statewide) as it does nationally (53rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lobelville ranks 14,825 for wildfire risk (1 is highest) and 14,651 by building count (1 is largest). Within Tennessee alone, it ranks 269 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
Lobelville'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 Lobelville
Lobelville's 82.2% 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 Lobelville's figures come from
Lobelville'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 Lobelville's dominant direct exposure actually means, with real examples from across the dataset.