Deer Creek, AZ
How exposed is Deer Creek to wildfire?
Out of every US place USFS scores, Deer Creek lands at the 97th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 184 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Deer Creek at the 96th percentile, close to its 97th-percentile risk score.
Where Deer Creek's buildings actually sit
USFS classifies 67.4% of Deer Creek's buildings as Direct exposure, higher than its 32.6% Indirect share and far above its 0% Minimal share — a profile where 124 structures sit close enough to vegetation that lot clearing matters most.
Deer Creek against the rest of the country
Deer Creek scores 97th nationally and 83rd within Arizona — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Deer Creek ranks 963 for wildfire risk (1 is highest) and 25,445 by building count (1 is largest). Within Arizona alone, it ranks 76 of 441 places by risk. See the full county-by-county picture for Arizona on its state page.
Deer Creek and the insurance market
At the 97th percentile nationally, Deer Creek 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 Deer Creek (67.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Deer Creek's figures come from
Deer Creek's 97th-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 Deer Creek's dominant direct exposure actually means, with real examples from across the dataset.