Fort Thomas, AZ
Fort Thomas wildfire risk explained
USFS's Wildfire Risk to Communities model puts Fort Thomas at the 91st national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 373 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fort Thomas's burn probability — fire likelihood with no building count factored in — sits at the 93rd percentile nationally.
Where Fort Thomas's buildings actually sit
Of Fort Thomas's 373 counted buildings, 85% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Fort Thomas compares
Fort Thomas ranks lower within Arizona (66th percentile statewide) than its 91st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Fort Thomas ranks 2,759 for wildfire risk (1 is highest) and 19,798 by building count (1 is largest). Within Arizona alone, it ranks 152 of 441 places by risk. See the full county-by-county picture for Arizona on its state page.
Shopping for coverage in Fort Thomas
Fort Thomas's very high rating (91st 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.
What would actually reduce this score
Because Direct exposure dominates in Fort Thomas (85%), 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 373 counted buildings into the percentiles shown above for Fort Thomas. For more on what direct exposure implies beyond Fort Thomas, see the exposure-zones guide.