Pinon, AZ
How exposed is Pinon to wildfire?
USFS's Wildfire Risk to Communities model puts Pinon at the 26th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 456 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Pinon at the 24th national percentile — 2 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
Of Pinon's 456 counted buildings, 60.8% 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.
Pinon against the rest of the country
Inside Arizona, Pinon sits at just the 6th percentile even though it scores 26th 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, Pinon ranks 23,279 for wildfire risk (1 is highest) and 18,146 by building count (1 is largest). Within Arizona alone, it ranks 415 of 441 places by risk. See the full county-by-county picture for Arizona on its state page.
Pinon and the insurance market
Pinon's moderate wildfire rating (26th 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.
Lowering exposure, not just insuring around it
Pinon's 60.8% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 456 counted buildings into the percentiles shown above for Pinon. For more on what direct exposure implies beyond Pinon, see the exposure-zones guide.