Oak Grove (Sumner), TN
How exposed is Oak Grove (Sumner) to wildfire?
Oak Grove (Sumner) sits at the 24th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 211 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oak Grove (Sumner) at the 26th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Oak Grove (Sumner)'s buildings actually sit
USFS classifies 87.7% of Oak Grove (Sumner)'s buildings as Direct exposure, higher than its 12.3% Indirect share and far above its 0% Minimal share — a profile where 185 structures sit close enough to vegetation that lot clearing matters most.
Where Oak Grove (Sumner) ranks
Oak Grove (Sumner) ranks lower within Tennessee (9th percentile statewide) than its 24th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Oak Grove (Sumner) ranks 23,843 for wildfire risk (1 is highest) and 24,455 by building count (1 is largest). Within Tennessee alone, it ranks 459 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 24th national percentile, Oak Grove (Sumner) rates moderate 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
With 87.7% of Oak Grove (Sumner) in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 211 counted buildings into the percentiles shown above for Oak Grove (Sumner). For more on what direct exposure implies beyond Oak Grove (Sumner), see the exposure-zones guide.