Waverly, TN
How exposed is Waverly to wildfire?
USFS's Wildfire Risk to Communities model puts Waverly at the 50th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 2,314 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Waverly at the 52nd national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Waverly's buildings actually sit
USFS classifies 70% of Waverly's buildings as Direct exposure, higher than its 30% Indirect share and far above its 0% Minimal share — a profile where 1,620 structures sit close enough to vegetation that lot clearing matters most.
How Waverly compares
Waverly's risk sits at a similar level relative to Tennessee (43rd percentile statewide) as it does nationally (50th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Waverly ranks 15,867 for wildfire risk (1 is highest) and 6,672 by building count (1 is largest). Within Tennessee alone, it ranks 289 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Waverly
At the 50th national percentile, Waverly rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Waverly
Because Direct exposure dominates in Waverly (70%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Waverly's figures come from
Waverly's 50th-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 Waverly's dominant direct exposure actually means, with real examples from across the dataset.