Three Way, TN
How exposed is Three Way to wildfire?
USFS scores Three Way at the 34th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,130 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Three Way at the 34th percentile, close to its 34th-percentile risk score.
Where Three Way's buildings actually sit
1,130 buildings are counted in Three Way, and 65.7% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 21.5% rated Minimal.
Three Way against the rest of the country
There's little gap between Three Way's 34th national percentile and its 24th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Three Way ranks 20,938 for wildfire risk (1 is highest) and 11,084 by building count (1 is largest). Within Tennessee alone, it ranks 384 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Three Way and the insurance market
Three Way's moderate rating (34th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Three Way's 65.7% 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 Three Way's figures come from
The methodology guide shows exactly how USFS turned 1,130 counted buildings into the percentiles shown above for Three Way. The exposure-zones guide covers what Three Way's dominant direct exposure actually means, with real examples from across the dataset.