Oliver Springs, TN
How exposed is Oliver Springs to wildfire?
USFS scores Oliver Springs at the 81st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,979 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oliver Springs at the 84th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS puts 51.7% of Oliver Springs's 1,979 buildings in the Indirect exposure zone, versus 48.3% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Oliver Springs ranks
Oliver Springs scores 81st nationally and 87th 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, Oliver Springs ranks 6,063 for wildfire risk (1 is highest) and 7,538 by building count (1 is largest). Within Tennessee alone, it ranks 66 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Oliver Springs
At the 81st percentile nationally, Oliver Springs carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Oliver Springs
Oliver Springs's 51.7% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Oliver Springs's figures come from
Every one of the two percentiles behind Oliver Springs's 6,063-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Oliver Springs's dominant indirect exposure actually means, with real examples from across the dataset.