Troy, TN
How exposed is Troy to wildfire?
USFS scores Troy at the 27th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 827 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Troy's burn probability — fire likelihood with no building count factored in — sits at the 29th percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in Troy (52.7% of 827 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 47.3% sit in the Direct zone.
Where Troy ranks
Troy scores 27th nationally and 13th 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, Troy ranks 22,928 for wildfire risk (1 is highest) and 13,381 by building count (1 is largest). Within Tennessee alone, it ranks 437 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
Troy's moderate rating (27th 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
With ember exposure the dominant pattern in Troy (52.7% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Troy's figures come from
Every one of the two percentiles behind Troy's 22,928-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Troy's dominant indirect exposure actually means, with real examples from across the dataset.