Milan, TN
Milan wildfire risk explained
Milan's 4,118 buildings earn a 42nd-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Milan at the 43rd percentile, close to its 42nd-percentile risk score.
Milan's building exposure, zone by zone
52.5% of Milan's 4,118 buildings sit in USFS's Direct exposure zone, roughly 2,161 structures close enough to burnable vegetation for flame contact, not just embers — 46.3% fall in the Indirect, ember-only zone and 1.2% are Minimal.
Where Milan ranks
There's little gap between Milan's 42nd national percentile and its 31st percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Milan ranks 18,420 for wildfire risk (1 is highest) and 4,128 by building count (1 is largest). Within Tennessee alone, it ranks 348 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
Milan's elevated rating (42nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Milan
With 52.5% of Milan 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 Milan's figures come from
Milan's 42nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Milan's dominant direct exposure actually means, with real examples from across the dataset.