Mammoth, AZ
Mammoth, AZ's wildfire risk, in USFS's own numbers
Mammoth sits at the 95th 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 784 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 Mammoth at the 95th percentile, close to its 95th-percentile risk score.
Where Mammoth's buildings actually sit
Indirect exposure is dominant in Mammoth (71.6% of 784 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 28.4% sit in the Direct zone.
Where Mammoth ranks
Inside Arizona, Mammoth sits at just the 73rd percentile even though it scores 95th 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, Mammoth ranks 1,720 for wildfire risk (1 is highest) and 13,777 by building count (1 is largest). Within Arizona alone, it ranks 118 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
At the 95th percentile nationally, Mammoth carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Mammoth (71.6% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Mammoth's figures come from
The methodology guide shows exactly how USFS turned 784 counted buildings into the percentiles shown above for Mammoth. The exposure-zones guide covers what Mammoth's dominant indirect exposure actually means, with real examples from across the dataset.