Philadelphia, TN
Philadelphia wildfire risk explained
Out of every US place USFS scores, Philadelphia lands at the 75th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 411 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Philadelphia at the 79th national percentile — 5 points above its risk-to-structures score, a gap driven by how much is actually built there.
Philadelphia's building exposure, zone by zone
USFS puts 56.2% of Philadelphia's 411 buildings in the Indirect exposure zone, versus 43.8% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Philadelphia against the rest of the country
Philadelphia scores 75th nationally and 76th 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, Philadelphia ranks 7,954 for wildfire risk (1 is highest) and 19,021 by building count (1 is largest). Within Tennessee alone, it ranks 120 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Philadelphia
Philadelphia's high rating (75th 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 Philadelphia
Philadelphia's 56.2% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 411 counted buildings into the percentiles shown above for Philadelphia. For more on what indirect exposure implies beyond Philadelphia, see the exposure-zones guide.