Globe, AZ
Globe wildfire risk explained
Globe sits at the 95th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 4,093 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Globe at the 94th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Globe's buildings actually sit
Indirect exposure is dominant in Globe (83% of 4,093 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 17% sit in the Direct zone.
Where Globe ranks
Globe ranks lower within Arizona (75th percentile statewide) than its 95th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Globe ranks 1,593 for wildfire risk (1 is highest) and 4,147 by building count (1 is largest). Within Arizona alone, it ranks 111 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
Globe's very high rating (95th 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.
Lowering exposure, not just insuring around it
Globe's 83% 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.
Where Globe's figures come from
Globe's 95th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Globe's dominant indirect exposure actually means, with real examples from across the dataset.