Oljato-Monument Valley, AZ
How exposed is Oljato-Monument Valley to wildfire?
USFS's Wildfire Risk to Communities model puts Oljato-Monument Valley at the 45th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 138 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oljato-Monument Valley at the 39th national percentile — 6 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
138 buildings are counted in Oljato-Monument Valley, and 100% 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.
Oljato-Monument Valley against the rest of the country
Inside Arizona, Oljato-Monument Valley sits at just the 14th percentile even though it scores 45th 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, Oljato-Monument Valley ranks 17,197 for wildfire risk (1 is highest) and 27,353 by building count (1 is largest). Within Arizona alone, it ranks 377 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
Oljato-Monument Valley's elevated wildfire rating (45th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Oljato-Monument Valley
Because Direct exposure dominates in Oljato-Monument Valley (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Oljato-Monument Valley's figures come from
Oljato-Monument Valley's 45th-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 Oljato-Monument Valley's dominant direct exposure actually means, with real examples from across the dataset.