Cottonwood (Apache), AZ
How exposed is Cottonwood (Apache) to wildfire?
Cottonwood (Apache)'s 82 buildings earn a 24th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cottonwood (Apache) at the 21st percentile, close to its 24th-percentile risk score.
Where Cottonwood (Apache)'s buildings actually sit
82 buildings are counted in Cottonwood (Apache), and 68.3% 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.
Cottonwood (Apache) against the rest of the country
Cottonwood (Apache) ranks lower within Arizona (4th percentile statewide) than its 24th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Cottonwood (Apache) ranks 24,067 for wildfire risk (1 is highest) and 29,790 by building count (1 is largest). Within Arizona alone, it ranks 422 of 441 places by risk. See the full county-by-county picture for Arizona on its state page.
Cottonwood (Apache) and the insurance market
At the 24th national percentile, Cottonwood (Apache) rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Cottonwood (Apache)'s 68.3% 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
The methodology guide shows exactly how USFS turned 82 counted buildings into the percentiles shown above for Cottonwood (Apache). For more on what direct exposure implies beyond Cottonwood (Apache), see the exposure-zones guide.