Tullahoma, TN
Tullahoma wildfire risk explained
Out of every US place USFS scores, Tullahoma lands at the 40th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 10,307 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Tullahoma's burn probability — fire likelihood with no building count factored in — sits at the 43rd percentile nationally.
What "at risk" means for the buildings here
USFS puts 54.3% of Tullahoma's 10,307 buildings in the Indirect exposure zone, versus 45.7% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to. At 10,307 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Tullahoma against the rest of the country
There's little gap between Tullahoma's 40th national percentile and its 29th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Tullahoma ranks 18,987 for wildfire risk (1 is highest) and 1,553 by building count (1 is largest). Within Tennessee alone, it ranks 356 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
Tullahoma's moderate wildfire rating (40th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
With ember exposure the dominant pattern in Tullahoma (54.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Tullahoma's 40th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Tullahoma, see the exposure-zones guide.