Scotts Hill, TN
How exposed is Scotts Hill to wildfire?
Scotts Hill sits at the 56th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 720 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Scotts Hill's burn probability — fire likelihood with no building count factored in — sits at the 59th percentile nationally.
Where Scotts Hill's buildings actually sit
720 buildings are counted in Scotts Hill, and 88.9% 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 Scotts Hill ranks
Scotts Hill scores 56th nationally and 50th 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, Scotts Hill ranks 13,751 for wildfire risk (1 is highest) and 14,457 by building count (1 is largest). Within Tennessee alone, it ranks 251 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Scotts Hill
Scotts Hill's elevated wildfire rating (56th 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.
Lowering exposure, not just insuring around it
Scotts Hill's 88.9% 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 Scotts Hill's figures come from
The methodology guide shows exactly how USFS turned 720 counted buildings into the percentiles shown above for Scotts Hill. The exposure-zones guide covers what Scotts Hill's dominant direct exposure actually means, with real examples from across the dataset.