Sevierville, TN
Sevierville, TN's wildfire risk, in USFS's own numbers
USFS scores Sevierville at the 73rd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 7,636 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Sevierville at the 76th national percentile — 4 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
7,636 buildings are counted in Sevierville, and 56.4% of them are Indirect exposure — ember-driven risk rather than the 43.5% in Direct exposure or the 0% rated Minimal. At 7,636 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Sevierville ranks
There's little gap between Sevierville's 73rd national percentile and its 71st percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Sevierville ranks 8,619 for wildfire risk (1 is highest) and 2,234 by building count (1 is largest). Within Tennessee alone, it ranks 145 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
Sevierville's 73rd-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Sevierville
Sevierville's 56.4% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Sevierville's figures come from
The methodology guide shows exactly how USFS turned 7,636 counted buildings into the percentiles shown above for Sevierville. The exposure-zones guide covers what Sevierville's dominant indirect exposure actually means, with real examples from across the dataset.