Murfreesboro, TN
Murfreesboro wildfire risk explained
USFS scores Murfreesboro at the 21st national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 44,145 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Murfreesboro's burn probability — fire likelihood with no building count factored in — sits at the 23rd percentile nationally.
Where Murfreesboro's buildings actually sit
Murfreesboro rates 68.4% Minimal exposure against just 12.4% Direct and 19.3% Indirect — of 44,145 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 44,145 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Murfreesboro against the rest of the country
There's little gap between Murfreesboro's 21st national percentile and its 7th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Murfreesboro ranks 24,817 for wildfire risk (1 is highest) and 211 by building count (1 is largest). Within Tennessee alone, it ranks 466 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
Murfreesboro's moderate wildfire rating (21st 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
Even with 68.4% of Murfreesboro outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 44,145 counted buildings into the percentiles shown above for Murfreesboro. For more on what minimal exposure implies beyond Murfreesboro, see the exposure-zones guide.