McNary, AZ
McNary, AZ's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, McNary lands at the 99th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 242 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks McNary at the 99th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
McNary's building exposure, zone by zone
Direct exposure dominates in McNary: 58.3% of its 242 buildings, versus 41.7% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
McNary against the rest of the country
There's little gap between McNary's 99th national percentile and its 96th percentile inside Arizona, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, McNary ranks 206 for wildfire risk (1 is highest) and 23,381 by building count (1 is largest). Within Arizona alone, it ranks 21 of 441 places by risk. See the full county-by-county picture for Arizona on its state page.
McNary and the insurance market
McNary's 99th-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.
What would actually reduce this score
McNary's 58.3% 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.
More on how this number was built
McNary's 99th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond McNary, see the exposure-zones guide.