Chinle, AZ
Chinle, AZ's wildfire risk, in USFS's own numbers
USFS scores Chinle at the 31st national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,627 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Chinle at the 31st percentile, close to its 31st-percentile risk score.
Chinle's building exposure, zone by zone
1,627 buildings are counted in Chinle, and 56.6% of them are Indirect exposure — ember-driven risk rather than the 43.5% in Direct exposure or the 0% rated Minimal.
Chinle against the rest of the country
Chinle's 31st national percentile looks worse in isolation than its 8th ranking inside Arizona does — this place is on the milder end for its own state, by 23 points. Among the 31,521 US communities USFS scores, Chinle ranks 21,703 for wildfire risk (1 is highest) and 8,663 by building count (1 is largest). Within Arizona alone, it ranks 405 of 441 places by risk. See the full county-by-county picture for Arizona on its state page.
Chinle and the insurance market
Chinle's moderate rating (31st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Chinle's 56.6% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Chinle's figures come from
Chinle's 31st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Chinle's dominant indirect exposure actually means, with real examples from across the dataset.