Oak Hill, TN
Oak Hill wildfire risk explained
USFS scores Oak Hill at the 17th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 2,332 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oak Hill's burn probability — fire likelihood with no building count factored in — sits at the 19th percentile nationally.
Where Oak Hill's buildings actually sit
95.5% of Oak Hill's 2,332 buildings sit in USFS's Direct exposure zone, roughly 2,226 structures close enough to burnable vegetation for flame contact, not just embers — 2.9% fall in the Indirect, ember-only zone and 1.6% are Minimal.
How Oak Hill compares
There's little gap between Oak Hill's 17th national percentile and its 5th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Oak Hill ranks 26,140 for wildfire risk (1 is highest) and 6,643 by building count (1 is largest). Within Tennessee alone, it ranks 477 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 17th national percentile, Oak Hill 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 95.5% of Oak Hill 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.
Where Oak Hill's figures come from
Oak Hill's 17th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Oak Hill's dominant direct exposure actually means, with real examples from across the dataset.