Pleasant Hill, TN
Pleasant Hill wildfire risk explained
USFS scores Pleasant Hill at the 78th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 346 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Pleasant Hill at the 81st percentile, close to its 78th-percentile risk score.
Where Pleasant Hill's buildings actually sit
USFS classifies 94.2% of Pleasant Hill's buildings as Direct exposure, higher than its 5.8% Indirect share and far above its 0% Minimal share — a profile where 326 structures sit close enough to vegetation that lot clearing matters most.
Where Pleasant Hill ranks
Pleasant Hill's risk sits at a similar level relative to Tennessee (82nd percentile statewide) as it does nationally (78th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Pleasant Hill ranks 7,036 for wildfire risk (1 is highest) and 20,436 by building count (1 is largest). Within Tennessee alone, it ranks 93 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Pleasant Hill
Pleasant Hill's 78th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Pleasant Hill's 94.2% 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 Pleasant Hill's figures come from
The methodology guide shows exactly how USFS turned 346 counted buildings into the percentiles shown above for Pleasant Hill. The exposure-zones guide covers what Pleasant Hill's dominant direct exposure actually means, with real examples from across the dataset.