Ridgely, TN
Ridgely, TN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Ridgely at the 3rd national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 912 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ridgely at the 3rd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Ridgely's building exposure, zone by zone
Only 23.1% of Ridgely's 912 buildings carry Direct exposure and 0% carry Indirect; the remaining 76.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Ridgely against the rest of the country
Ridgely scores 3rd nationally and 0th 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, Ridgely ranks 30,654 for wildfire risk (1 is highest) and 12,623 by building count (1 is largest). Within Tennessee alone, it ranks 502 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Ridgely
Ridgely's low wildfire rating (3rd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
With 76.9% of buildings rated Minimal exposure, Ridgely gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Ridgely's 3rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Ridgely, see the exposure-zones guide.