Mormon Lake, AZ
Mormon Lake, AZ's wildfire risk, in USFS's own numbers
Mormon Lake sits at the 100th 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 307 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 Mormon Lake at the 100th percentile, close to its 100th-percentile risk score.
Mormon Lake's building exposure, zone by zone
307 buildings are counted in Mormon Lake, and 87% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Mormon Lake ranks
Mormon Lake scores 100th nationally and 99th within Arizona — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Mormon Lake ranks 50 for wildfire risk (1 is highest) and 21,436 by building count (1 is largest). Within Arizona alone, it ranks 6 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 100th percentile nationally, Mormon Lake 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
Because Direct exposure dominates in Mormon Lake (87%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Mormon Lake's figures come from
Every one of the two percentiles behind Mormon Lake's 50-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Mormon Lake's dominant direct exposure actually means, with real examples from across the dataset.