Cedar Creek, AZ
How exposed is Cedar Creek to wildfire?
USFS's Wildfire Risk to Communities model puts Cedar Creek at the 96th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 148 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cedar Creek at the 94th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Cedar Creek's buildings actually sit
100% of Cedar Creek's 148 buildings sit in USFS's Direct exposure zone, roughly 148 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Cedar Creek against the rest of the country
Cedar Creek's 96th national percentile looks worse in isolation than its 78th ranking inside Arizona does — this place is on the milder end for its own state, by 18 points. Among the 31,521 US communities USFS scores, Cedar Creek ranks 1,218 for wildfire risk (1 is highest) and 26,939 by building count (1 is largest). Within Arizona alone, it ranks 97 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 96th percentile nationally, Cedar Creek 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.
Hardening a home in Cedar Creek
Cedar Creek's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Cedar Creek's 1,218-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Cedar Creek, see the exposure-zones guide.