Soddy-Daisy, TN
Soddy-Daisy wildfire risk explained
USFS scores Soddy-Daisy at the 78th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 7,388 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Soddy-Daisy at the 81st percentile, close to its 78th-percentile risk score.
Soddy-Daisy's building exposure, zone by zone
Direct exposure dominates in Soddy-Daisy: 68.7% of its 7,388 buildings, versus 31% Indirect and 0.2% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap. At 7,388 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Soddy-Daisy ranks
Soddy-Daisy scores 78th nationally and 82nd 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, Soddy-Daisy ranks 7,037 for wildfire risk (1 is highest) and 2,309 by building count (1 is largest). Within Tennessee alone, it ranks 94 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
Soddy-Daisy's 78th-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.
What would actually reduce this score
Soddy-Daisy's 68.7% 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 Soddy-Daisy's figures come from
Every one of the two percentiles behind Soddy-Daisy's 7,037-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Soddy-Daisy's dominant direct exposure actually means, with real examples from across the dataset.