Middle Valley, TN
Middle Valley, TN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Middle Valley at the 70th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 5,523 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Middle Valley at the 74th percentile, close to its 70th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 69.3% of Middle Valley's buildings as Direct exposure, higher than its 21.8% Indirect share and far above its 8.9% Minimal share — a profile where 3,826 structures sit close enough to vegetation that lot clearing matters most. At 5,523 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Middle Valley compares
Middle Valley scores 70th nationally and 65th 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, Middle Valley ranks 9,533 for wildfire risk (1 is highest) and 3,119 by building count (1 is largest). Within Tennessee alone, it ranks 176 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
Middle Valley's high rating (70th 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.
Hardening a home in Middle Valley
With 69.3% of Middle Valley 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
Middle Valley's 70th-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 Middle Valley, see the exposure-zones guide.