Hayden, AZ
Hayden wildfire risk explained
USFS's Wildfire Risk to Communities model puts Hayden at the 80th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 440 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hayden at the 80th national percentile — 0 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
95.2% of Hayden's 440 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 4.8% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Hayden compares
Inside Arizona, Hayden sits at just the 44th percentile even though it scores 80th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Hayden ranks 6,230 for wildfire risk (1 is highest) and 18,448 by building count (1 is largest). Within Arizona alone, it ranks 248 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
Hayden's very high rating (80th 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
Hayden's 95.2% 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 Hayden's figures come from
Every one of the two percentiles behind Hayden's 6,230-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hayden's dominant indirect exposure actually means, with real examples from across the dataset.