Heber-Overgaard, AZ
How exposed is Heber-Overgaard to wildfire?
Out of every US place USFS scores, Heber-Overgaard lands at the 98th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 3,661 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Heber-Overgaard at the 97th national percentile — 1 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
3,661 buildings are counted in Heber-Overgaard, and 77.5% 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.
How Heber-Overgaard compares
Heber-Overgaard's risk sits at a similar level relative to Arizona (88th percentile statewide) as it does nationally (98th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Heber-Overgaard ranks 585 for wildfire risk (1 is highest) and 4,572 by building count (1 is largest). Within Arizona alone, it ranks 49 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
Heber-Overgaard's very high rating (98th 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.
Hardening a home in Heber-Overgaard
With 77.5% of Heber-Overgaard 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 Heber-Overgaard's figures come from
The methodology guide shows exactly how USFS turned 3,661 counted buildings into the percentiles shown above for Heber-Overgaard. The exposure-zones guide covers what Heber-Overgaard's dominant direct exposure actually means, with real examples from across the dataset.