Miami, AZ
How exposed is Miami to wildfire?
Miami's 973 buildings earn a 94th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Miami's burn probability — fire likelihood with no building count factored in — sits at the 92nd percentile nationally.
Where Miami's buildings actually sit
973 buildings are counted in Miami, and 93.7% of them are Indirect exposure — ember-driven risk rather than the 6.3% in Direct exposure or the 0% rated Minimal.
Where Miami ranks
Inside Arizona, Miami sits at just the 72nd percentile even though it scores 94th 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, Miami ranks 1,974 for wildfire risk (1 is highest) and 12,114 by building count (1 is largest). Within Arizona alone, it ranks 124 of 441 places by risk. See the full county-by-county picture for Arizona on its state page.
Miami and the insurance market
Miami's 94th-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.
Hardening a home in Miami
Because 93.7% of Miami's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 973 counted buildings into the percentiles shown above for Miami. For more on what indirect exposure implies beyond Miami, see the exposure-zones guide.