Ko Vaya, AZ
How exposed is Ko Vaya to wildfire?
Ko Vaya sits at the 82nd 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 38 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Ko Vaya at the 77th percentile, close to its 82nd-percentile risk score.
Ko Vaya's building exposure, zone by zone
Direct exposure dominates in Ko Vaya: 100% of its 38 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Ko Vaya against the rest of the country
Ko Vaya's 82nd national percentile looks worse in isolation than its 48th ranking inside Arizona does — this place is on the milder end for its own state, by 34 points. Among the 31,521 US communities USFS scores, Ko Vaya ranks 5,566 for wildfire risk (1 is highest) and 31,201 by building count (1 is largest). Within Arizona alone, it ranks 228 of 441 places by risk. See the full county-by-county picture for Arizona on its state page.
Ko Vaya and the insurance market
Ko Vaya's 82nd-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
With 100% of Ko Vaya 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 Ko Vaya's figures come from
The methodology guide shows exactly how USFS turned 38 counted buildings into the percentiles shown above for Ko Vaya. The exposure-zones guide covers what Ko Vaya's dominant direct exposure actually means, with real examples from across the dataset.