Martin, TN
How exposed is Martin to wildfire?
Martin's 4,589 buildings earn a 28th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Martin at the 29th percentile, close to its 28th-percentile risk score.
What "at risk" means for the buildings here
4,589 buildings are counted in Martin, and 50.9% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 48.7% rated Minimal.
Martin against the rest of the country
Martin's risk sits at a similar level relative to Tennessee (15th percentile statewide) as it does nationally (28th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Martin ranks 22,699 for wildfire risk (1 is highest) and 3,713 by building count (1 is largest). Within Tennessee alone, it ranks 428 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 28th national percentile, Martin rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Martin's 50.9% 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 Martin's figures come from
The methodology guide shows exactly how USFS turned 4,589 counted buildings into the percentiles shown above for Martin. The exposure-zones guide covers what Martin's dominant direct exposure actually means, with real examples from across the dataset.