Ridgetop, TN
Ridgetop, TN's wildfire risk, in USFS's own numbers
Ridgetop sits at the 36th 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 1,160 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ridgetop's burn probability — fire likelihood with no building count factored in — sits at the 38th percentile nationally.
What "at risk" means for the buildings here
Of Ridgetop's 1,160 counted buildings, 93.6% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Ridgetop compares
There's little gap between Ridgetop's 36th national percentile and its 25th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Ridgetop ranks 20,281 for wildfire risk (1 is highest) and 10,892 by building count (1 is largest). Within Tennessee alone, it ranks 376 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Ridgetop
At the 36th national percentile, Ridgetop rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Ridgetop's 93.6% 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 Ridgetop's figures come from
Every one of the two percentiles behind Ridgetop's 20,281-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Ridgetop's dominant direct exposure actually means, with real examples from across the dataset.