Elgin, AZ
Elgin, AZ's wildfire risk, in USFS's own numbers
Elgin's 181 buildings earn a 90th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Elgin at the 95th percentile, close to its 90th-percentile risk score.
Elgin's building exposure, zone by zone
100% of Elgin's 181 buildings sit in USFS's Direct exposure zone, roughly 181 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Elgin ranks
Inside Arizona, Elgin sits at just the 64th percentile even though it scores 90th 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, Elgin ranks 3,015 for wildfire risk (1 is highest) and 25,574 by building count (1 is largest). Within Arizona alone, it ranks 159 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
Elgin's 90th-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
Because Direct exposure dominates in Elgin (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 181 counted buildings into the percentiles shown above for Elgin. For more on what direct exposure implies beyond Elgin, see the exposure-zones guide.