East Verde Estates, AZ
East Verde Estates, AZ's wildfire risk, in USFS's own numbers
USFS scores East Verde Estates at the 98th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 172 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks East Verde Estates at the 97th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Direct exposure dominates in East Verde Estates: 80.2% of its 172 buildings, versus 19.8% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
East Verde Estates against the rest of the country
There's little gap between East Verde Estates's 98th national percentile and its 91st percentile inside Arizona, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, East Verde Estates ranks 490 for wildfire risk (1 is highest) and 25,923 by building count (1 is largest). Within Arizona alone, it ranks 39 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
East Verde Estates's 98th-percentile, very 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.
Lowering exposure, not just insuring around it
With 80.2% of East Verde Estates in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where East Verde Estates's figures come from
East Verde Estates's 98th-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 East Verde Estates's dominant direct exposure actually means, with real examples from across the dataset.