Hard Rock, AZ
How exposed is Hard Rock to wildfire?
Out of every US place USFS scores, Hard Rock lands at the 23rd percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 63 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hard Rock's burn probability — fire likelihood with no building count factored in — sits at the 27th percentile nationally.
Where Hard Rock's buildings actually sit
USFS classifies 96.8% of Hard Rock's buildings as Direct exposure, higher than its 3.2% Indirect share and far above its 0% Minimal share — a profile where 61 structures sit close enough to vegetation that lot clearing matters most.
Hard Rock against the rest of the country
Hard Rock's 23rd national percentile looks worse in isolation than its 4th ranking inside Arizona does — this place is on the milder end for its own state, by 19 points. Among the 31,521 US communities USFS scores, Hard Rock ranks 24,162 for wildfire risk (1 is highest) and 30,532 by building count (1 is largest). Within Arizona alone, it ranks 423 of 441 places by risk. See the full county-by-county picture for Arizona on its state page.
Shopping for coverage in Hard Rock
Hard Rock's moderate wildfire rating (23rd 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.
Lowering exposure, not just insuring around it
Hard Rock's 96.8% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Hard Rock's figures come from
Hard Rock's 23rd-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 Hard Rock's dominant direct exposure actually means, with real examples from across the dataset.