San Miguel, AZ
San Miguel, AZ's wildfire risk, in USFS's own numbers
USFS scores San Miguel at the 87th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 130 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks San Miguel at the 86th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where San Miguel's buildings actually sit
100% of San Miguel's 130 buildings sit in USFS's Direct exposure zone, roughly 130 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
How San Miguel compares
San Miguel's 87th national percentile looks worse in isolation than its 59th ranking inside Arizona does — this place is on the milder end for its own state, by 28 points. Among the 31,521 US communities USFS scores, San Miguel ranks 4,146 for wildfire risk (1 is highest) and 27,703 by building count (1 is largest). Within Arizona alone, it ranks 182 of 441 places by risk. See the full county-by-county picture for Arizona on its state page.
San Miguel and the insurance market
San Miguel's very high rating (87th 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.
What would actually reduce this score
San Miguel's 100% 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
San Miguel's 87th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond San Miguel, see the exposure-zones guide.