Lake Havasu City, AZ
Lake Havasu City, AZ's wildfire risk, in USFS's own numbers
Lake Havasu City sits at the 39th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 33,860 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lake Havasu City's burn probability — fire likelihood with no building count factored in — sits at the 39th percentile nationally.
Lake Havasu City's building exposure, zone by zone
Only 2.4% of Lake Havasu City's 33,860 buildings carry Direct exposure and 30% carry Indirect; the remaining 67.6% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 33,860 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Lake Havasu City ranks
Lake Havasu City ranks lower within Arizona (11th percentile statewide) than its 39th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Lake Havasu City ranks 19,088 for wildfire risk (1 is highest) and 320 by building count (1 is largest). Within Arizona alone, it ranks 391 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
Lake Havasu City's moderate wildfire rating (39th 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.
What would actually reduce this score
With 67.6% of buildings rated Minimal exposure, Lake Havasu City gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Lake Havasu City's 39th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Lake Havasu City, see the exposure-zones guide.