Charco, AZ
How exposed is Charco to wildfire?
USFS's Wildfire Risk to Communities model puts Charco at the 51st national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 35 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Charco's burn probability — fire likelihood with no building count factored in — sits at the 47th percentile nationally.
Where Charco's buildings actually sit
35 buildings are counted in Charco, and 100% 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 Charco compares
Charco ranks lower within Arizona (19th percentile statewide) than its 51st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Charco ranks 15,525 for wildfire risk (1 is highest) and 31,264 by building count (1 is largest). Within Arizona alone, it ranks 358 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
Charco's elevated rating (51st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Because Direct exposure dominates in Charco (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Charco's figures come from
The methodology guide shows exactly how USFS turned 35 counted buildings into the percentiles shown above for Charco. The exposure-zones guide covers what Charco's dominant direct exposure actually means, with real examples from across the dataset.