Beaver Dam, AZ
Beaver Dam wildfire risk explained
USFS's Wildfire Risk to Communities model puts Beaver Dam at the 93rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 1,281 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 Beaver Dam at the 94th percentile, close to its 93rd-percentile risk score.
What "at risk" means for the buildings here
USFS puts 67.3% of Beaver Dam's 1,281 buildings in the Indirect exposure zone, versus 32.7% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Beaver Dam ranks
Inside Arizona, Beaver Dam sits at just the 70th percentile even though it scores 93rd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Beaver Dam ranks 2,193 for wildfire risk (1 is highest) and 10,190 by building count (1 is largest). Within Arizona alone, it ranks 132 of 441 places by risk. See the full county-by-county picture for Arizona on its state page.
Beaver Dam and the insurance market
At the 93rd percentile nationally, Beaver Dam carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Beaver Dam's 67.3% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Beaver Dam's 93rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Beaver Dam, see the exposure-zones guide.