Spurgeon, TN
Spurgeon wildfire risk explained
USFS's Wildfire Risk to Communities model puts Spurgeon at the 66th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 1,868 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Spurgeon at the 71st national percentile — 5 points above its risk-to-structures score, a gap driven by how much is actually built there.
Spurgeon's building exposure, zone by zone
1,868 buildings are counted in Spurgeon, and 69.8% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Spurgeon compares
There's little gap between Spurgeon's 66th national percentile and its 58th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Spurgeon ranks 10,825 for wildfire risk (1 is highest) and 7,854 by building count (1 is largest). Within Tennessee alone, it ranks 213 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Spurgeon
Spurgeon's high rating (66th 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
Because Direct exposure dominates in Spurgeon (69.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Spurgeon's 10,825-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Spurgeon, see the exposure-zones guide.