Rural Hill, TN
Rural Hill wildfire risk explained
USFS scores Rural Hill at the 25th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,137 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Rural Hill's burn probability — fire likelihood with no building count factored in — sits at the 27th percentile nationally.
Rural Hill's building exposure, zone by zone
1,137 buildings are counted in Rural Hill, and 97.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Rural Hill ranks
Inside Tennessee, Rural Hill sits at just the 10th percentile even though it scores 25th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Rural Hill ranks 23,560 for wildfire risk (1 is highest) and 11,036 by building count (1 is largest). Within Tennessee alone, it ranks 451 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Rural Hill
Rural Hill's moderate wildfire rating (25th 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.
Hardening a home in Rural Hill
Rural Hill's 97.6% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,137 counted buildings into the percentiles shown above for Rural Hill. For more on what direct exposure implies beyond Rural Hill, see the exposure-zones guide.