Oxbow Estates, AZ
Oxbow Estates wildfire risk explained
Out of every US place USFS scores, Oxbow Estates lands at the 98th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 149 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oxbow Estates's burn probability — fire likelihood with no building count factored in — sits at the 96th percentile nationally.
Oxbow Estates's building exposure, zone by zone
Of Oxbow Estates's 149 counted buildings, 83.2% 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.
Oxbow Estates against the rest of the country
Oxbow Estates scores 98th nationally and 89th within Arizona — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Oxbow Estates ranks 586 for wildfire risk (1 is highest) and 26,901 by building count (1 is largest). Within Arizona alone, it ranks 50 of 441 places by risk. See the full county-by-county picture for Arizona on its state page.
Oxbow Estates and the insurance market
Oxbow Estates's very high rating (98th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Oxbow Estates
Because Direct exposure dominates in Oxbow Estates (83.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Oxbow Estates's figures come from
Every one of the two percentiles behind Oxbow Estates's 586-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Oxbow Estates's dominant direct exposure actually means, with real examples from across the dataset.