Rutledge, TN
Rutledge wildfire risk explained
Out of every US place USFS scores, Rutledge lands at the 79th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 897 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Rutledge at the 82nd national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Rutledge's building exposure, zone by zone
897 buildings are counted in Rutledge, and 78.7% 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.
How Rutledge compares
Rutledge scores 79th nationally and 85th 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, Rutledge ranks 6,566 for wildfire risk (1 is highest) and 12,756 by building count (1 is largest). Within Tennessee alone, it ranks 76 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Rutledge
Rutledge's high rating (79th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Rutledge
Rutledge's 78.7% 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
Rutledge's 79th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Rutledge, see the exposure-zones guide.