Pegram, TN
Pegram, TN's wildfire risk, in USFS's own numbers
Pegram sits at the 40th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,042 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Pegram at the 43rd percentile, close to its 40th-percentile risk score.
Where Pegram's buildings actually sit
USFS classifies 87% of Pegram's buildings as Direct exposure, higher than its 13.1% Indirect share and far above its 0% Minimal share — a profile where 906 structures sit close enough to vegetation that lot clearing matters most.
How Pegram compares
There's little gap between Pegram's 40th national percentile and its 29th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Pegram ranks 18,861 for wildfire risk (1 is highest) and 11,645 by building count (1 is largest). Within Tennessee alone, it ranks 355 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 40th national percentile, Pegram rates elevated 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
Because Direct exposure dominates in Pegram (87%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Pegram's figures come from
The methodology guide shows exactly how USFS turned 1,042 counted buildings into the percentiles shown above for Pegram. The exposure-zones guide covers what Pegram's dominant direct exposure actually means, with real examples from across the dataset.