Surgoinsville, TN
How exposed is Surgoinsville to wildfire?
Surgoinsville's 1,329 buildings earn a 78th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Surgoinsville at the 83rd national percentile — 5 points above its risk-to-structures score, a gap driven by how much is actually built there.
Surgoinsville's building exposure, zone by zone
1,329 buildings are counted in Surgoinsville, and 85.9% 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.
Surgoinsville against the rest of the country
Surgoinsville scores 78th nationally and 83rd 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, Surgoinsville ranks 6,814 for wildfire risk (1 is highest) and 9,941 by building count (1 is largest). Within Tennessee alone, it ranks 84 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Surgoinsville
At the 78th percentile nationally, Surgoinsville carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Surgoinsville (85.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Surgoinsville's figures come from
The methodology guide shows exactly how USFS turned 1,329 counted buildings into the percentiles shown above for Surgoinsville. The exposure-zones guide covers what Surgoinsville's dominant direct exposure actually means, with real examples from across the dataset.