Midtown, TN
How exposed is Midtown to wildfire?
Out of every US place USFS scores, Midtown lands at the 73rd percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 898 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 Midtown at the 77th percentile, close to its 73rd-percentile risk score.
Where Midtown's buildings actually sit
Of Midtown's 898 counted buildings, 63.1% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Midtown compares
There's little gap between Midtown's 73rd national percentile and its 72nd percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Midtown ranks 8,488 for wildfire risk (1 is highest) and 12,740 by building count (1 is largest). Within Tennessee alone, it ranks 141 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
Midtown's high rating (73rd 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.
What would actually reduce this score
With 63.1% of Midtown 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.
Where Midtown's figures come from
Every one of the two percentiles behind Midtown's 8,488-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Midtown's dominant direct exposure actually means, with real examples from across the dataset.