Camp Verde, AZ
Camp Verde wildfire risk explained
Camp Verde's 7,119 buildings earn a 89th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Camp Verde at the 90th percentile, close to its 89th-percentile risk score.
Camp Verde's building exposure, zone by zone
56% of Camp Verde's 7,119 buildings sit in USFS's Direct exposure zone, roughly 3,989 structures close enough to burnable vegetation for flame contact, not just embers — 44% fall in the Indirect, ember-only zone and 0% are Minimal. At 7,119 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Camp Verde compares
Camp Verde ranks lower within Arizona (62nd percentile statewide) than its 89th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Camp Verde ranks 3,327 for wildfire risk (1 is highest) and 2,410 by building count (1 is largest). Within Arizona alone, it ranks 168 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 89th percentile nationally, Camp Verde 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
Because Direct exposure dominates in Camp Verde (56%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Camp Verde's 3,327-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Camp Verde, see the exposure-zones guide.