Bluewater, AZ
Bluewater, AZ's wildfire risk, in USFS's own numbers
Bluewater's 662 buildings earn a 50th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bluewater at the 54th national percentile — 4 points above its risk-to-structures score, a gap driven by how much is actually built there.
Bluewater's building exposure, zone by zone
Indirect exposure is dominant in Bluewater (90% of 662 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 5.3% sit in the Direct zone.
Where Bluewater ranks
Bluewater's 50th national percentile looks worse in isolation than its 18th ranking inside Arizona does — this place is on the milder end for its own state, by 32 points. Among the 31,521 US communities USFS scores, Bluewater ranks 15,620 for wildfire risk (1 is highest) and 15,034 by building count (1 is largest). Within Arizona alone, it ranks 360 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
At the 50th national percentile, Bluewater rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Because 90% of Bluewater's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 662 counted buildings into the percentiles shown above for Bluewater. For more on what indirect exposure implies beyond Bluewater, see the exposure-zones guide.