Coolidge, AZ
How exposed is Coolidge to wildfire?
USFS scores Coolidge at the 73rd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 6,043 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Coolidge's burn probability — fire likelihood with no building count factored in — sits at the 76th percentile nationally.
Where Coolidge's buildings actually sit
70.8% of Coolidge's 6,043 buildings sit in USFS's Minimal exposure zone, with only 26.4% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 6,043 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Coolidge against the rest of the country
Coolidge's 73rd national percentile looks worse in isolation than its 35th ranking inside Arizona does — this place is on the milder end for its own state, by 38 points. Among the 31,521 US communities USFS scores, Coolidge ranks 8,466 for wildfire risk (1 is highest) and 2,863 by building count (1 is largest). Within Arizona alone, it ranks 286 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
Coolidge's 73rd-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Even with 70.8% of Coolidge outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Coolidge's figures come from
Every one of the two percentiles behind Coolidge's 8,466-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Coolidge's dominant minimal exposure actually means, with real examples from across the dataset.