Sullivan Gardens, TN
Sullivan Gardens, TN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Sullivan Gardens at the 71st national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 858 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Sullivan Gardens at the 75th national percentile — 4 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
858 buildings are counted in Sullivan Gardens, and 82.3% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Sullivan Gardens ranks
Sullivan Gardens scores 71st nationally and 69th 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, Sullivan Gardens ranks 9,089 for wildfire risk (1 is highest) and 13,105 by building count (1 is largest). Within Tennessee alone, it ranks 158 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
Sullivan Gardens's high rating (71st 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Sullivan Gardens (82.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Sullivan Gardens's figures come from
The methodology guide shows exactly how USFS turned 858 counted buildings into the percentiles shown above for Sullivan Gardens. The exposure-zones guide covers what Sullivan Gardens's dominant direct exposure actually means, with real examples from across the dataset.