Shackle Island, TN
Shackle Island wildfire risk explained
Out of every US place USFS scores, Shackle Island lands at the 22nd percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 1,382 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Shackle Island at the 24th national percentile — 2 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
1,382 buildings are counted in Shackle Island, and 82.6% 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 Shackle Island ranks
Shackle Island's risk sits at a similar level relative to Tennessee (8th percentile statewide) as it does nationally (22nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Shackle Island ranks 24,470 for wildfire risk (1 is highest) and 9,708 by building count (1 is largest). Within Tennessee alone, it ranks 463 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shackle Island and the insurance market
Shackle Island's moderate wildfire rating (22nd 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.
What would actually reduce this score
With 82.6% of Shackle Island 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 Shackle Island's figures come from
Every one of the two percentiles behind Shackle Island's 24,470-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Shackle Island's dominant direct exposure actually means, with real examples from across the dataset.