Oatman, AZ
Oatman wildfire risk explained
Out of every US place USFS scores, Oatman lands at the 83rd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 148 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oatman at the 79th national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
Oatman's building exposure, zone by zone
148 buildings are counted in Oatman, and 93.9% 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.
How Oatman compares
Oatman's 83rd national percentile looks worse in isolation than its 50th ranking inside Arizona does — this place is on the milder end for its own state, by 33 points. Among the 31,521 US communities USFS scores, Oatman ranks 5,410 for wildfire risk (1 is highest) and 26,940 by building count (1 is largest). Within Arizona alone, it ranks 223 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 83rd percentile nationally, Oatman 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.
What would actually reduce this score
Oatman's 93.9% 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 Oatman's figures come from
Every one of the two percentiles behind Oatman's 5,410-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Oatman's dominant direct exposure actually means, with real examples from across the dataset.