Middleton, TN
Middleton, TN's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Middleton lands at the 74th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 468 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Middleton's burn probability — fire likelihood with no building count factored in — sits at the 77th percentile nationally.
Middleton's building exposure, zone by zone
468 buildings are counted in Middleton, and 72.9% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Middleton against the rest of the country
Middleton's risk sits at a similar level relative to Tennessee (75th percentile statewide) as it does nationally (74th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Middleton ranks 8,141 for wildfire risk (1 is highest) and 17,929 by building count (1 is largest). Within Tennessee alone, it ranks 128 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
Middleton's high rating (74th 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 Middleton
Because Direct exposure dominates in Middleton (72.9%), 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
The methodology guide shows exactly how USFS turned 468 counted buildings into the percentiles shown above for Middleton. For more on what direct exposure implies beyond Middleton, see the exposure-zones guide.