Newbern, TN
Newbern wildfire risk explained
USFS's Wildfire Risk to Communities model puts Newbern at the 14th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 1,709 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Newbern at the 14th percentile, close to its 14th-percentile risk score.
Newbern's building exposure, zone by zone
Newbern rates 57.9% Minimal exposure against just 42.1% Direct and 0% Indirect — of 1,709 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Newbern compares
Newbern scores 14th nationally and 3rd 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, Newbern ranks 27,243 for wildfire risk (1 is highest) and 8,387 by building count (1 is largest). Within Tennessee alone, it ranks 488 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 14th national percentile, Newbern rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 57.9% of buildings rated Minimal exposure, Newbern gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,709 counted buildings into the percentiles shown above for Newbern. For more on what minimal exposure implies beyond Newbern, see the exposure-zones guide.