Summertown, TN
Summertown, TN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Summertown at the 52nd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 567 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Summertown at the 55th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Summertown's buildings actually sit
567 buildings are counted in Summertown, and 90.8% 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.
Where Summertown ranks
Summertown scores 52nd nationally and 45th 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, Summertown ranks 15,271 for wildfire risk (1 is highest) and 16,302 by building count (1 is largest). Within Tennessee alone, it ranks 277 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Summertown
At the 52nd national percentile, Summertown rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Summertown's 90.8% 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
Summertown's 52nd-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 Summertown, see the exposure-zones guide.