Yuma, TN
Yuma, TN's wildfire risk, in USFS's own numbers
Yuma sits at the 49th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 104 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Yuma at the 51st percentile, close to its 49th-percentile risk score.
Where Yuma's buildings actually sit
USFS classifies 93.3% of Yuma's buildings as Direct exposure, higher than its 6.7% Indirect share and far above its 0% Minimal share — a profile where 97 structures sit close enough to vegetation that lot clearing matters most.
Where Yuma ranks
Yuma scores 49th nationally and 42nd 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, Yuma ranks 15,961 for wildfire risk (1 is highest) and 28,873 by building count (1 is largest). Within Tennessee alone, it ranks 296 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
What this risk score means for insurance
Yuma's elevated wildfire rating (49th 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.
What would actually reduce this score
With 93.3% of Yuma 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.
Where Yuma's figures come from
Yuma's 49th-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 Yuma's dominant direct exposure actually means, with real examples from across the dataset.