Smithville, TN
Smithville wildfire risk explained
USFS scores Smithville at the 36th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 2,490 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Smithville at the 39th 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
2,490 buildings are counted in Smithville, and 43.3% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 13.5% rated Minimal.
Where Smithville ranks
Smithville's risk sits at a similar level relative to Tennessee (25th percentile statewide) as it does nationally (36th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Smithville ranks 20,250 for wildfire risk (1 is highest) and 6,314 by building count (1 is largest). Within Tennessee alone, it ranks 375 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Smithville and the insurance market
Smithville's moderate wildfire rating (36th 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.
Hardening a home in Smithville
With 43.3% of Smithville 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 Smithville's figures come from
Every one of the two percentiles behind Smithville's 20,250-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Smithville's dominant direct exposure actually means, with real examples from across the dataset.