El Capitan, AZ
How exposed is El Capitan to wildfire?
USFS's Wildfire Risk to Communities model puts El Capitan at the 97th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 55 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts El Capitan at the 97th percentile, close to its 97th-percentile risk score.
El Capitan's building exposure, zone by zone
100% of El Capitan's 55 buildings sit in USFS's Direct exposure zone, roughly 55 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
El Capitan against the rest of the country
Inside Arizona, El Capitan sits at just the 82nd percentile even though it scores 97th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, El Capitan ranks 994 for wildfire risk (1 is highest) and 30,778 by building count (1 is largest). Within Arizona alone, it ranks 81 of 441 places by risk. See the full county-by-county picture for Arizona on its state page.
El Capitan and the insurance market
El Capitan's very high rating (97th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
El Capitan's 100% 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
Every one of the two percentiles behind El Capitan's 994-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond El Capitan, see the exposure-zones guide.