South Fulton, TN
South Fulton wildfire risk explained
USFS scores South Fulton at the 22nd national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,388 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 South Fulton at the 22nd percentile, close to its 22nd-percentile risk score.
South Fulton's building exposure, zone by zone
South Fulton rates 51.1% Minimal exposure against just 48.9% Direct and 0% Indirect — of 1,388 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
South Fulton against the rest of the country
South Fulton scores 22nd nationally and 8th 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, South Fulton ranks 24,723 for wildfire risk (1 is highest) and 9,678 by building count (1 is largest). Within Tennessee alone, it ranks 464 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
South Fulton'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.
Lowering exposure, not just insuring around it
South Fulton's 51.1% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where South Fulton's figures come from
South Fulton's 22nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what South Fulton's dominant minimal exposure actually means, with real examples from across the dataset.