Ripley, TN
Ripley, TN's wildfire risk, in USFS's own numbers
Ripley sits at the 39th 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 3,534 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 Ripley at the 39th percentile, close to its 39th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Ripley: 50.8% of its 3,534 buildings, versus 21.7% Indirect and 27.5% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Ripley compares
Ripley's risk sits at a similar level relative to Tennessee (28th percentile statewide) as it does nationally (39th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Ripley ranks 19,397 for wildfire risk (1 is highest) and 4,735 by building count (1 is largest). Within Tennessee alone, it ranks 363 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
Ripley's moderate rating (39th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Ripley
Ripley's 50.8% 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 Ripley's figures come from
Ripley's 39th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Ripley's dominant direct exposure actually means, with real examples from across the dataset.