Mount Pleasant, TN
Mount Pleasant wildfire risk explained
Mount Pleasant's 2,621 buildings earn a 35th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Mount Pleasant's burn probability — fire likelihood with no building count factored in — sits at the 39th percentile nationally.
Where Mount Pleasant's buildings actually sit
Indirect exposure is dominant in Mount Pleasant (53.8% of 2,621 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 46.2% sit in the Direct zone.
How Mount Pleasant compares
There's little gap between Mount Pleasant's 35th national percentile and its 25th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Mount Pleasant ranks 20,373 for wildfire risk (1 is highest) and 6,064 by building count (1 is largest). Within Tennessee alone, it ranks 377 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
Mount Pleasant's moderate wildfire rating (35th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Mount Pleasant (53.8% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Mount Pleasant's figures come from
Every one of the two percentiles behind Mount Pleasant's 20,373-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Mount Pleasant's dominant indirect exposure actually means, with real examples from across the dataset.