Ganado, AZ
How exposed is Ganado to wildfire?
USFS scores Ganado at the 45th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 592 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ganado at the 40th national percentile — 5 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
592 buildings are counted in Ganado, and 59.5% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Ganado ranks
Ganado's 45th national percentile looks worse in isolation than its 14th ranking inside Arizona does — this place is on the milder end for its own state, by 31 points. Among the 31,521 US communities USFS scores, Ganado ranks 17,353 for wildfire risk (1 is highest) and 15,934 by building count (1 is largest). Within Arizona alone, it ranks 380 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
Ganado's elevated wildfire rating (45th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
With 59.5% of Ganado 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 Ganado's figures come from
The methodology guide shows exactly how USFS turned 592 counted buildings into the percentiles shown above for Ganado. The exposure-zones guide covers what Ganado's dominant direct exposure actually means, with real examples from across the dataset.