Orme, TN
Orme wildfire risk explained
Out of every US place USFS scores, Orme lands at the 79th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 91 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Orme at the 83rd percentile, close to its 79th-percentile risk score.
What "at risk" means for the buildings here
Of Orme's 91 counted buildings, 97.8% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Orme against the rest of the country
Orme's risk sits at a similar level relative to Tennessee (85th percentile statewide) as it does nationally (79th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Orme ranks 6,533 for wildfire risk (1 is highest) and 29,475 by building count (1 is largest). Within Tennessee alone, it ranks 74 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Orme
Orme's high rating (79th 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Orme (97.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Orme's 79th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Orme, see the exposure-zones guide.