Toone, TN
How exposed is Toone to wildfire?
USFS's Wildfire Risk to Communities model puts Toone at the 60th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 219 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Toone at the 63rd national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Toone's buildings actually sit
USFS classifies 81.3% of Toone's buildings as Direct exposure, higher than its 18.7% Indirect share and far above its 0% Minimal share — a profile where 178 structures sit close enough to vegetation that lot clearing matters most.
Toone against the rest of the country
Toone scores 60th nationally and 53rd 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, Toone ranks 12,685 for wildfire risk (1 is highest) and 24,178 by building count (1 is largest). Within Tennessee alone, it ranks 239 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
At the 60th national percentile, Toone rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Toone's 81.3% 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
The methodology guide shows exactly how USFS turned 219 counted buildings into the percentiles shown above for Toone. For more on what direct exposure implies beyond Toone, see the exposure-zones guide.