Park City, TN
How exposed is Park City to wildfire?
USFS's Wildfire Risk to Communities model puts Park City at the 26th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 1,640 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Park City's burn probability — fire likelihood with no building count factored in — sits at the 29th percentile nationally.
Park City's building exposure, zone by zone
Of Park City's 1,640 counted buildings, 84.8% carry Direct exposure and only 0.1% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Park City against the rest of the country
Park City ranks lower within Tennessee (11th percentile statewide) than its 26th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Park City ranks 23,273 for wildfire risk (1 is highest) and 8,623 by building count (1 is largest). Within Tennessee alone, it ranks 446 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
Park City's moderate wildfire rating (26th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Because Direct exposure dominates in Park City (84.8%), 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
The methodology guide shows exactly how USFS turned 1,640 counted buildings into the percentiles shown above for Park City. For more on what direct exposure implies beyond Park City, see the exposure-zones guide.