Fort Apache, AZ
Fort Apache wildfire risk explained
Fort Apache's 75 buildings earn a 98th-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 Fort Apache at the 96th percentile, close to its 98th-percentile risk score.
Where Fort Apache's buildings actually sit
100% of Fort Apache's 75 buildings sit in USFS's Direct exposure zone, roughly 75 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Fort Apache against the rest of the country
There's little gap between Fort Apache's 98th national percentile and its 86th percentile inside Arizona, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Fort Apache ranks 745 for wildfire risk (1 is highest) and 30,071 by building count (1 is largest). Within Arizona alone, it ranks 64 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
Fort Apache'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 100% of Fort Apache 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 Fort Apache's figures come from
Every one of the two percentiles behind Fort Apache's 745-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Fort Apache's dominant direct exposure actually means, with real examples from across the dataset.