Morris Chapel, TN
How exposed is Morris Chapel to wildfire?
USFS's Wildfire Risk to Communities model puts Morris Chapel at the 59th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 193 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Morris Chapel at the 62nd national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Morris Chapel's building exposure, zone by zone
193 buildings are counted in Morris Chapel, and 96.4% 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.
Morris Chapel against the rest of the country
There's little gap between Morris Chapel's 59th national percentile and its 52nd percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Morris Chapel ranks 12,839 for wildfire risk (1 is highest) and 25,138 by building count (1 is largest). Within Tennessee alone, it ranks 240 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Morris Chapel
At the 59th national percentile, Morris Chapel rates elevated 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
Because Direct exposure dominates in Morris Chapel (96.4%), 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
Morris Chapel's 59th-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 Morris Chapel, see the exposure-zones guide.