Loudon, TN
Loudon wildfire risk explained
Out of every US place USFS scores, Loudon lands at the 74th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 3,179 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Loudon at the 79th national percentile — 5 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Loudon's buildings actually sit
USFS puts 67.7% of Loudon's 3,179 buildings in the Indirect exposure zone, versus 32.1% Direct and 0.2% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Loudon against the rest of the country
Loudon scores 74th nationally and 76th 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, Loudon ranks 8,108 for wildfire risk (1 is highest) and 5,190 by building count (1 is largest). Within Tennessee alone, it ranks 123 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Loudon and the insurance market
At the 74th percentile nationally, Loudon 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
Because 67.7% of Loudon's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Loudon's figures come from
Every one of the two percentiles behind Loudon's 8,108-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Loudon's dominant indirect exposure actually means, with real examples from across the dataset.