Powells Crossroads, TN
How exposed is Powells Crossroads to wildfire?
Powells Crossroads's 831 buildings earn a 85th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Powells Crossroads at the 89th percentile, close to its 85th-percentile risk score.
Powells Crossroads's building exposure, zone by zone
Direct exposure dominates in Powells Crossroads: 96% of its 831 buildings, versus 4% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Powells Crossroads against the rest of the country
Powells Crossroads scores 85th nationally and 96th 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, Powells Crossroads ranks 4,646 for wildfire risk (1 is highest) and 13,339 by building count (1 is largest). Within Tennessee alone, it ranks 21 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 85th percentile nationally, Powells Crossroads carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Powells Crossroads
Powells Crossroads's 96% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 831 counted buildings into the percentiles shown above for Powells Crossroads. For more on what direct exposure implies beyond Powells Crossroads, see the exposure-zones guide.