Shelbyville, TN
How exposed is Shelbyville to wildfire?
Out of every US place USFS scores, Shelbyville lands at the 29th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 9,972 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Shelbyville at the 32nd national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Shelbyville's buildings actually sit
Most of Shelbyville's buildings (41.7% of 9,972) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 9,972 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Shelbyville against the rest of the country
There's little gap between Shelbyville's 29th national percentile and its 17th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Shelbyville ranks 22,328 for wildfire risk (1 is highest) and 1,621 by building count (1 is largest). Within Tennessee alone, it ranks 419 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shelbyville and the insurance market
Shelbyville's moderate wildfire rating (29th 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
With 41.7% of buildings rated Minimal exposure, Shelbyville gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Shelbyville's figures come from
The methodology guide shows exactly how USFS turned 9,972 counted buildings into the percentiles shown above for Shelbyville. The exposure-zones guide covers what Shelbyville's dominant minimal exposure actually means, with real examples from across the dataset.