Morrison, TN
Morrison wildfire risk explained
Out of every US place USFS scores, Morrison lands at the 49th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 467 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 Morrison at the 53rd percentile, close to its 49th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Morrison: 60.4% of its 467 buildings, versus 39.6% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Morrison ranks
There's little gap between Morrison's 49th national percentile and its 41st percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Morrison ranks 16,090 for wildfire risk (1 is highest) and 17,946 by building count (1 is largest). Within Tennessee alone, it ranks 299 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
Morrison's elevated rating (49th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Because Direct exposure dominates in Morrison (60.4%), 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
Morrison's 49th-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 Morrison, see the exposure-zones guide.