Beaver Valley, AZ
Beaver Valley, AZ's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Beaver Valley lands at the 99th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 231 buildings, not the land around them. (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 Valley at the 99th percentile, close to its 99th-percentile risk score.
What "at risk" means for the buildings here
231 buildings are counted in Beaver Valley, and 89.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Beaver Valley compares
Beaver Valley's risk sits at a similar level relative to Arizona (95th percentile statewide) as it does nationally (99th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Beaver Valley ranks 269 for wildfire risk (1 is highest) and 23,753 by building count (1 is largest). Within Arizona alone, it ranks 24 of 441 places by risk. See the full county-by-county picture for Arizona on its state page.
What this risk score means for insurance
Beaver Valley's 99th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Beaver Valley (89.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Beaver Valley's figures come from
Every one of the two percentiles behind Beaver Valley's 269-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Beaver Valley's dominant direct exposure actually means, with real examples from across the dataset.