Oneida, TN
How exposed is Oneida to wildfire?
Oneida's 2,299 buildings earn a 86th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oneida's burn probability — fire likelihood with no building count factored in — sits at the 89th percentile nationally.
What "at risk" means for the buildings here
53.7% of Oneida's 2,299 buildings sit in USFS's Direct exposure zone, roughly 1,234 structures close enough to burnable vegetation for flame contact, not just embers — 46.3% fall in the Indirect, ember-only zone and 0% are Minimal.
How Oneida compares
Oneida scores 86th nationally and 97th 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, Oneida ranks 4,353 for wildfire risk (1 is highest) and 6,699 by building count (1 is largest). Within Tennessee alone, it ranks 16 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
Oneida's very high rating (86th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Oneida
Oneida's 53.7% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Oneida's figures come from
Every one of the two percentiles behind Oneida's 4,353-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Oneida's dominant direct exposure actually means, with real examples from across the dataset.