Santa Rosa, AZ
Santa Rosa wildfire risk explained
USFS's Wildfire Risk to Communities model puts Santa Rosa at the 60th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 396 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Santa Rosa's burn probability — fire likelihood with no building count factored in — sits at the 57th percentile nationally.
Where Santa Rosa's buildings actually sit
Of Santa Rosa's 396 counted buildings, 95.2% 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.
How Santa Rosa compares
Santa Rosa's 60th national percentile looks worse in isolation than its 26th ranking inside Arizona does — this place is on the milder end for its own state, by 34 points. Among the 31,521 US communities USFS scores, Santa Rosa ranks 12,566 for wildfire risk (1 is highest) and 19,292 by building count (1 is largest). Within Arizona alone, it ranks 325 of 441 places by risk. See the full county-by-county picture for Arizona on its state page.
Santa Rosa and the insurance market
At the 60th percentile nationally, Santa Rosa carries the 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Santa Rosa (95.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 396 counted buildings into the percentiles shown above for Santa Rosa. For more on what direct exposure implies beyond Santa Rosa, see the exposure-zones guide.