Chloride, AZ
Chloride wildfire risk explained
Chloride's 327 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.)
Separately from the risk score above, Chloride's burn probability — fire likelihood with no building count factored in — sits at the 84th percentile nationally.
What "at risk" means for the buildings here
327 buildings are counted in Chloride, and 72.5% 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.
Chloride against the rest of the country
Chloride's 89th national percentile looks worse in isolation than its 61st ranking inside Arizona does — this place is on the milder end for its own state, by 28 points. Among the 31,521 US communities USFS scores, Chloride ranks 3,612 for wildfire risk (1 is highest) and 20,886 by building count (1 is largest). Within Arizona alone, it ranks 173 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, Chloride 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 Chloride (72.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Chloride's figures come from
Every one of the two percentiles behind Chloride's 3,612-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Chloride's dominant direct exposure actually means, with real examples from across the dataset.