Union City, TN
Union City wildfire risk explained
USFS's Wildfire Risk to Communities model puts Union City at the 10th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 5,427 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Union City at the 11th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
70.5% of Union City's 5,427 buildings sit in USFS's Minimal exposure zone, with only 28.9% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 5,427 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Union City against the rest of the country
Union City scores 10th nationally and 1st 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, Union City ranks 28,254 for wildfire risk (1 is highest) and 3,188 by building count (1 is largest). Within Tennessee alone, it ranks 495 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Union City and the insurance market
Union City's low wildfire rating (10th 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.
Hardening a home in Union City
Union City's 70.5% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 5,427 counted buildings into the percentiles shown above for Union City. For more on what minimal exposure implies beyond Union City, see the exposure-zones guide.