Madisonville, TN
Madisonville wildfire risk explained
Out of every US place USFS scores, Madisonville lands at the 74th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 2,795 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Madisonville at the 79th percentile, close to its 74th-percentile risk score.
Madisonville's building exposure, zone by zone
50.3% of Madisonville's 2,795 buildings sit in USFS's Direct exposure zone, roughly 1,406 structures close enough to burnable vegetation for flame contact, not just embers — 49.7% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Madisonville ranks
Madisonville scores 74th nationally and 74th 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, Madisonville ranks 8,202 for wildfire risk (1 is highest) and 5,770 by building count (1 is largest). Within Tennessee alone, it ranks 131 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 74th percentile nationally, Madisonville 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.
Hardening a home in Madisonville
Because Direct exposure dominates in Madisonville (50.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Madisonville's figures come from
Every one of the two percentiles behind Madisonville's 8,202-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Madisonville's dominant direct exposure actually means, with real examples from across the dataset.