Wartburg, TN
Wartburg wildfire risk explained
Out of every US place USFS scores, Wartburg lands at the 85th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 500 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Wartburg at the 88th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Wartburg's buildings actually sit
Indirect exposure is dominant in Wartburg (62.2% of 500 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 37.8% sit in the Direct zone.
How Wartburg compares
There's little gap between Wartburg's 85th national percentile and its 95th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Wartburg ranks 4,799 for wildfire risk (1 is highest) and 17,368 by building count (1 is largest). Within Tennessee alone, it ranks 28 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Wartburg and the insurance market
At the 85th percentile nationally, Wartburg carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Wartburg
With ember exposure the dominant pattern in Wartburg (62.2% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Wartburg's figures come from
Wartburg's 85th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Wartburg's dominant indirect exposure actually means, with real examples from across the dataset.