Mountainaire, AZ
Mountainaire, AZ's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Mountainaire at the 99th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 666 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Mountainaire at the 99th percentile, close to its 99th-percentile risk score.
Where Mountainaire's buildings actually sit
Direct exposure dominates in Mountainaire: 67.3% of its 666 buildings, versus 32.7% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Mountainaire ranks
There's little gap between Mountainaire's 99th national percentile and its 94th percentile inside Arizona, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Mountainaire ranks 301 for wildfire risk (1 is highest) and 14,995 by building count (1 is largest). Within Arizona alone, it ranks 26 of 441 places by risk. See the full county-by-county picture for Arizona on its state page.
Mountainaire and the insurance market
Mountainaire'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.
Hardening a home in Mountainaire
Because Direct exposure dominates in Mountainaire (67.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Mountainaire's figures come from
The methodology guide shows exactly how USFS turned 666 counted buildings into the percentiles shown above for Mountainaire. The exposure-zones guide covers what Mountainaire's dominant direct exposure actually means, with real examples from across the dataset.