Rarity Bay, TN
Rarity Bay, TN's wildfire risk, in USFS's own numbers
Rarity Bay sits at the 70th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 532 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 Rarity Bay at the 74th percentile, close to its 70th-percentile risk score.
Where Rarity Bay's buildings actually sit
532 buildings are counted in Rarity Bay, and 54.1% of them are Indirect exposure — ember-driven risk rather than the 35.5% in Direct exposure or the 10.3% rated Minimal.
How Rarity Bay compares
Rarity Bay's risk sits at a similar level relative to Tennessee (66th percentile statewide) as it does nationally (70th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Rarity Bay ranks 9,499 for wildfire risk (1 is highest) and 16,840 by building count (1 is largest). Within Tennessee alone, it ranks 174 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Rarity Bay
Rarity Bay's 70th-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.
What would actually reduce this score
Because 54.1% of Rarity Bay's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Rarity Bay's 9,499-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Rarity Bay, see the exposure-zones guide.