Mowbray Mountain, TN
How exposed is Mowbray Mountain to wildfire?
USFS scores Mowbray Mountain at the 83rd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,194 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Mowbray Mountain at the 86th percentile, close to its 83rd-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Mowbray Mountain: 100% of its 1,194 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Mowbray Mountain against the rest of the country
Mowbray Mountain scores 83rd nationally and 92nd 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, Mowbray Mountain ranks 5,334 for wildfire risk (1 is highest) and 10,685 by building count (1 is largest). Within Tennessee alone, it ranks 43 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Mowbray Mountain
Mowbray Mountain's very high rating (83rd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Because Direct exposure dominates in Mowbray Mountain (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Mowbray Mountain's figures come from
Every one of the two percentiles behind Mowbray Mountain's 5,334-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Mowbray Mountain's dominant direct exposure actually means, with real examples from across the dataset.