Tennessee wildfire risk
Tennessee sits in the lower half of US states for wildfire hazard, but lower does not mean none — hazard concentrates locally regardless of the statewide picture. This page covers current activity and how to check your own address.
Active fires in Tennessee
Tennessee's recorded fire history
Federal perimeter records list 130 mapped wildfires in Tennessee since 2000. The largest on that record is the Chimney Tops 2 Fire of 2016, which burned 15,643 acres.
| Fire | Year | Area burned |
|---|---|---|
| Chimney Tops 2 Fire | 2016 | 15,643 acres |
| Sharp Fire | 2001 | 6,705 acres |
| Halls Top Fire | 2016 | 2,463 acres |
| Green Mtn Fire | 2001 | 2,288 acres |
Recorded history feeds directly into your address score: our model counts mapped burns within 25 miles of a parcel, weighted toward large ones. It is worth knowing the limitation, though — a long record of successful suppression can leave an area reading quiet while fuel accumulates, which is precisely the condition that produces the next large fire.
Where hazard concentrates in Tennessee
Wildfire hazard is not spread evenly across a state. These are the 5 counties in Tennessee with the highest wildfire risk scores in FEMA's National Risk Index, with the building value each has sitting in exposed areas.
| County | Hazard score | Building exposure |
|---|---|---|
| Claiborne County | 81.4 | $406M |
| Campbell County | 78.9 | $281M |
| Sevier County | 78.7 | $1.3B |
| Polk County | 75.6 | $457M |
| Cumberland County | 72.6 | $540M |
Claiborne County carries the highest score in the state at 81.4. If your address is there, or in any of the counties above, the statewide average understates your situation considerably — which is the reason to check the parcel rather than the state.
How Tennessee ranks nationally
FEMA's National Risk Index scores every US county for expected annual wildfire loss. Across Tennessee's 95 assessed counties the average wildfire hazard score is 34.3, which places the state 36th of the 50 states. The most exposed county in Tennessee scores 81.4.
Against a 50-state average of 52.7, Tennessee sits 18.4 points below it. Rank 36 of 50. The National Risk Index blends how often wildfire is expected with how much is standing in the way, so a state can post a moderate score with severe local hazard wherever development has pushed into the wildland-urban interface.
Roughly $260.7B of building value sits inside Tennessee's wildfire-exposed areas. That figure is what drives carrier behaviour: insurers manage concentration of exposure, so a state can have modest average hazard and still see availability problems wherever that value clusters in the wildland-urban interface.
Tennessee wildfire season
Tennessee has a different pattern from the western states: fire activity concentrates in the drier winter and spring months rather than high summer, and a large share of recorded burns are prescribed fire rather than wildfire.
Insurance in Tennessee
Tennessee does not operate a FAIR Plan in the way the western fire states do, which in practice means the surplus lines market is the fallback for a parcel the admitted market declines. An independent broker is more useful here than a captive agent, because only they can access those carriers.
Residual-market availability and the rules governing it change. Confirm the current position with the Tennessee Department of Insurance before you rely on it.
Whatever the market looks like in your area, the sequence is the same: document mitigation before your renewal date, work with an independent broker who can access surplus lines, and ask directly whether the carrier credits wildfire mitigation. The full fire insurance guide covers non-renewal, FAIR Plans and difference-in-conditions wraps in detail.
Lowering your risk in Tennessee
The two changes with the best return anywhere in the country are clearing the first five feet around the structure to non-combustible material, and screening vents against ember entry. Both are cheap, both address the mechanism that destroys most homes, and both are visible to an underwriter if you photograph and invoice them. What qualifies and how to document it.