White Pine, TN
White Pine wildfire risk explained
USFS's Wildfire Risk to Communities model puts White Pine at the 71st national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 1,486 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, White Pine's burn probability — fire likelihood with no building count factored in — sits at the 77th percentile nationally.
White Pine's building exposure, zone by zone
USFS classifies 50.7% of White Pine's buildings as Direct exposure, higher than its 49.3% Indirect share and far above its 0% Minimal share — a profile where 753 structures sit close enough to vegetation that lot clearing matters most.
White Pine against the rest of the country
There's little gap between White Pine's 71st national percentile and its 68th percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, White Pine ranks 9,183 for wildfire risk (1 is highest) and 9,225 by building count (1 is largest). Within Tennessee alone, it ranks 163 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in White Pine
White Pine's 71st-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
With 50.7% of White Pine in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
White Pine's 71st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond White Pine, see the exposure-zones guide.