Sunbright, TN
Sunbright, TN's wildfire risk, in USFS's own numbers
Sunbright's 464 buildings earn a 85th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Sunbright's burn probability — fire likelihood with no building count factored in — sits at the 88th percentile nationally.
Where Sunbright's buildings actually sit
Of Sunbright's 464 counted buildings, 86.4% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Sunbright compares
Sunbright's risk sits at a similar level relative to Tennessee (95th percentile statewide) as it does nationally (85th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Sunbright ranks 4,709 for wildfire risk (1 is highest) and 17,997 by building count (1 is largest). Within Tennessee alone, it ranks 24 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
Sunbright's very high rating (85th 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
Sunbright's 86.4% 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.
Where Sunbright's figures come from
Sunbright's 85th-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 Sunbright's dominant direct exposure actually means, with real examples from across the dataset.