Whitlock, TN
Whitlock wildfire risk explained
USFS's Wildfire Risk to Communities model puts Whitlock at the 44th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 100 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Whitlock at the 45th percentile, close to its 44th-percentile risk score.
Whitlock's building exposure, zone by zone
83% of Whitlock's 100 buildings sit in USFS's Direct exposure zone, roughly 83 structures close enough to burnable vegetation for flame contact, not just embers — 17% fall in the Indirect, ember-only zone and 0% are Minimal.
How Whitlock compares
Whitlock scores 44th nationally and 34th 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, Whitlock ranks 17,820 for wildfire risk (1 is highest) and 29,054 by building count (1 is largest). Within Tennessee alone, it ranks 333 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Whitlock and the insurance market
Whitlock's elevated rating (44th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 83% of Whitlock 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
Every one of the two percentiles behind Whitlock's 17,820-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Whitlock, see the exposure-zones guide.