Prospect, TN
Prospect wildfire risk explained
Prospect sits at the 31st percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 173 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Prospect at the 33rd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
100% of Prospect's 173 buildings sit in USFS's Direct exposure zone, roughly 173 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
How Prospect compares
There's little gap between Prospect's 31st national percentile and its 19th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Prospect ranks 21,824 for wildfire risk (1 is highest) and 25,919 by building count (1 is largest). Within Tennessee alone, it ranks 404 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 31st national percentile, Prospect rates moderate 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
Prospect's 100% 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 Prospect's figures come from
Every one of the two percentiles behind Prospect's 21,824-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Prospect's dominant direct exposure actually means, with real examples from across the dataset.