Morristown, TN
How exposed is Morristown to wildfire?
USFS scores Morristown at the 68th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 13,101 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Morristown's burn probability — fire likelihood with no building count factored in — sits at the 73rd percentile nationally.
Where Morristown's buildings actually sit
Most of Morristown's buildings (53.3%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone. At 13,101 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Morristown ranks
Morristown scores 68th nationally and 62nd within Tennessee — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Morristown ranks 10,067 for wildfire risk (1 is highest) and 1,164 by building count (1 is largest). Within Tennessee alone, it ranks 191 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Morristown and the insurance market
At the 68th percentile nationally, Morristown carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Morristown's 53.3% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Morristown's 10,067-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Morristown, see the exposure-zones guide.