Somerville, TN
Somerville wildfire risk explained
Out of every US place USFS scores, Somerville lands at the 65th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 1,487 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Somerville's burn probability — fire likelihood with no building count factored in — sits at the 68th percentile nationally.
Where Somerville's buildings actually sit
59.2% of Somerville's 1,487 buildings sit in USFS's Direct exposure zone, roughly 880 structures close enough to burnable vegetation for flame contact, not just embers — 40.8% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Somerville ranks
Somerville scores 65th nationally and 57th 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, Somerville ranks 11,038 for wildfire risk (1 is highest) and 9,220 by building count (1 is largest). Within Tennessee alone, it ranks 215 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
Somerville's high rating (65th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Somerville's 59.2% 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.
More on how this number was built
Somerville's 65th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Somerville, see the exposure-zones guide.