Luttrell, TN
How exposed is Luttrell to wildfire?
Luttrell sits at the 81st percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 639 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Luttrell's burn probability — fire likelihood with no building count factored in — sits at the 84th percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Luttrell: 85.8% of its 639 buildings, versus 14.2% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Luttrell against the rest of the country
Luttrell scores 81st nationally and 87th 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, Luttrell ranks 6,030 for wildfire risk (1 is highest) and 15,348 by building count (1 is largest). Within Tennessee alone, it ranks 64 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Luttrell and the insurance market
At the 81st percentile nationally, Luttrell carries the very 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.
What would actually reduce this score
Because Direct exposure dominates in Luttrell (85.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Luttrell's 81st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Luttrell, see the exposure-zones guide.