Komatke, AZ
Komatke wildfire risk explained
Out of every US place USFS scores, Komatke lands at the 97th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 299 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Komatke at the 97th percentile, close to its 97th-percentile risk score.
Where Komatke's buildings actually sit
USFS classifies 89.3% of Komatke's buildings as Direct exposure, higher than its 10.7% Indirect share and far above its 0% Minimal share — a profile where 267 structures sit close enough to vegetation that lot clearing matters most.
Komatke against the rest of the country
There's little gap between Komatke's 97th national percentile and its 84th percentile inside Arizona, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Komatke ranks 901 for wildfire risk (1 is highest) and 21,646 by building count (1 is largest). Within Arizona alone, it ranks 72 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
Komatke's very high rating (97th 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
Komatke's 89.3% 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 Komatke's figures come from
Komatke's 97th-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 Komatke's dominant direct exposure actually means, with real examples from across the dataset.