Cactus Flats, AZ
Cactus Flats, AZ's wildfire risk, in USFS's own numbers
USFS scores Cactus Flats at the 91st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,139 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cactus Flats at the 91st national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Cactus Flats's buildings actually sit
87.8% of Cactus Flats's 1,139 buildings sit in USFS's Direct exposure zone, roughly 1,000 structures close enough to burnable vegetation for flame contact, not just embers — 12.2% fall in the Indirect, ember-only zone and 0% are Minimal.
How Cactus Flats compares
Cactus Flats's 91st national percentile looks worse in isolation than its 65th ranking inside Arizona does — this place is on the milder end for its own state, by 26 points. Among the 31,521 US communities USFS scores, Cactus Flats ranks 2,981 for wildfire risk (1 is highest) and 11,020 by building count (1 is largest). Within Arizona alone, it ranks 157 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 91st percentile nationally, Cactus Flats 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
With 87.8% of Cactus Flats in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Cactus Flats's figures come from
The methodology guide shows exactly how USFS turned 1,139 counted buildings into the percentiles shown above for Cactus Flats. The exposure-zones guide covers what Cactus Flats's dominant direct exposure actually means, with real examples from across the dataset.