Lone Oak, TN
Lone Oak wildfire risk explained
USFS's Wildfire Risk to Communities model puts Lone Oak at the 83rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 873 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lone Oak at the 85th 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
USFS classifies 95.9% of Lone Oak's buildings as Direct exposure, higher than its 4.1% Indirect share and far above its 0% Minimal share — a profile where 837 structures sit close enough to vegetation that lot clearing matters most.
How Lone Oak compares
There's little gap between Lone Oak's 83rd national percentile and its 90th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Lone Oak ranks 5,463 for wildfire risk (1 is highest) and 12,964 by building count (1 is largest). Within Tennessee alone, it ranks 49 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
Lone Oak's very high rating (83rd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
With 95.9% of Lone Oak 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 Lone Oak's 5,463-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Lone Oak, see the exposure-zones guide.