Yes, there's a 12% chance that branch will fall off. Now we have to do a couple of things. If a tree you own falls, you are responsible for its removal. If you have homeowners insurance, they will most likely cover the cleaning of the tree and any costs for damage.
If these trees are already growing in these locations, preventive pruning, reinforcements, or wiring can help reduce storm damage this winter. Certainly, the chances of a faulty tree causing damage, injury or death are much higher in the case of a tree that fell in the city and in the middle of a farmer's field, but that has nothing to do with evaluating whether or not the tree is likely to fall. The tree then gets rid of its branches in an attempt to save itself. The fewer branches, the less nutrients are needed.
This is particularly true as the tree grows in size and the weight and surface of the leaf and the area of the branches increase. The second image wasn't mine and I didn't see the tree myself, I don't know the circumstances of it, but I chose it because it seemed to be in a public place, to contrast with the other. The only reason for discord that remains is if the fallen tree has not caused any structural damage to your property and has fallen into open ground. If you live in the Chattanooga area, Out on a Limb, LLC can help you remove trees you don't need or want.
But my observation is that trees are dying at a very rapid rate, with a sharp increase in falling branches and whole trees. Nutrients and water are what keep a tree healthy, so without those ingredients, you run the risk that strong winds could cause the tree to fall. I still love trees and plant them whenever I can, but a property owner must be proactive about the health of the trees on their property that are close to highways or other areas that humans travel through. Most trees in residential environments are healthy and have many years of healthy life before becoming a hazard to your home.
This means that homes, other structures and power lines that might not have been threatened a few years ago could now be threatened by a tree that has grown. When it comes to the cost of removing trees, the local municipal committee or any other local body that is responsible for managing trees in your city's public places or committee will be responsible for the costs. Similarly, if the tree fell during the removal of the branch by an unqualified person, the insurer may not pay for the damage. At some point, it won't be able to stand on its own, so when strong winds blow, the branch or possibly the entire tree collapses.