Florence, AZ
Florence wildfire risk explained
Out of every US place USFS scores, Florence lands at the 82nd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 9,969 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 Florence at the 82nd percentile, close to its 82nd-percentile risk score.
What "at risk" means for the buildings here
59.6% of Florence's 9,969 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 40.3% Direct and 0.1% Minimal. Vent screens and roofing material matter more here than lot clearing alone. At 9,969 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Florence compares
Inside Arizona, Florence sits at just the 47th percentile even though it scores 82nd 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, Florence ranks 5,819 for wildfire risk (1 is highest) and 1,622 by building count (1 is largest). Within Arizona alone, it ranks 235 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
At the 82nd percentile nationally, Florence 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
Florence's 59.6% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 9,969 counted buildings into the percentiles shown above for Florence. For more on what indirect exposure implies beyond Florence, see the exposure-zones guide.