Morristown, AZ
Morristown, AZ's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Morristown at the 85th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 260 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Morristown at the 83rd national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Morristown's building exposure, zone by zone
260 buildings are counted in Morristown, and 98.9% 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 Morristown ranks
Inside Arizona, Morristown sits at just the 55th percentile even though it scores 85th 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, Morristown ranks 4,778 for wildfire risk (1 is highest) and 22,816 by building count (1 is largest). Within Arizona alone, it ranks 199 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
Morristown's 85th-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
Morristown's 98.9% 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.
Where Morristown's figures come from
Morristown's 85th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Morristown's dominant direct exposure actually means, with real examples from across the dataset.