North Fork, AZ
How exposed is North Fork to wildfire?
USFS scores North Fork at the 100th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 507 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, North Fork's burn probability — fire likelihood with no building count factored in — sits at the 99th percentile nationally.
What "at risk" means for the buildings here
Of North Fork's 507 counted buildings, 97.4% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where North Fork ranks
North Fork's risk sits at a similar level relative to Arizona (97th percentile statewide) as it does nationally (100th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, North Fork ranks 145 for wildfire risk (1 is highest) and 17,218 by building count (1 is largest). Within Arizona alone, it ranks 14 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
North Fork's 100th-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 North Fork
With 97.4% of North Fork in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where North Fork's figures come from
The methodology guide shows exactly how USFS turned 507 counted buildings into the percentiles shown above for North Fork. The exposure-zones guide covers what North Fork's dominant direct exposure actually means, with real examples from across the dataset.