Munford, TN
Munford wildfire risk explained
Munford's 2,825 buildings earn a 42nd-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Munford at the 43rd percentile, close to its 42nd-percentile risk score.
Munford's building exposure, zone by zone
Direct exposure dominates in Munford: 56.6% of its 2,825 buildings, versus 42.1% Indirect and 1.3% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Munford against the rest of the country
Munford scores 42nd nationally and 31st 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, Munford ranks 18,359 for wildfire risk (1 is highest) and 5,713 by building count (1 is largest). Within Tennessee alone, it ranks 346 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
At the 42nd national percentile, Munford rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Because Direct exposure dominates in Munford (56.6%), 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
Every one of the two percentiles behind Munford's 18,359-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Munford, see the exposure-zones guide.