Sardis, TN
Sardis wildfire risk explained
USFS's Wildfire Risk to Communities model puts Sardis at the 57th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 394 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Sardis at the 59th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Direct exposure dominates in Sardis: 90.9% of its 394 buildings, versus 9.1% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Sardis ranks
There's little gap between Sardis's 57th national percentile and its 51st percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Sardis ranks 13,630 for wildfire risk (1 is highest) and 19,339 by building count (1 is largest). Within Tennessee alone, it ranks 246 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
At the 57th national percentile, Sardis rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Sardis
With 90.9% of Sardis in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Sardis's figures come from
The methodology guide shows exactly how USFS turned 394 counted buildings into the percentiles shown above for Sardis. The exposure-zones guide covers what Sardis's dominant direct exposure actually means, with real examples from across the dataset.