St. Michaels, AZ
St. Michaels wildfire risk explained
Out of every US place USFS scores, St. Michaels lands at the 76th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 754 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, St. Michaels's burn probability — fire likelihood with no building count factored in — sits at the 67th percentile nationally.
Where St. Michaels's buildings actually sit
Direct exposure dominates in St. Michaels: 82% of its 754 buildings, versus 18% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How St. Michaels compares
St. Michaels ranks lower within Arizona (37th percentile statewide) than its 76th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, St. Michaels ranks 7,459 for wildfire risk (1 is highest) and 14,074 by building count (1 is largest). Within Arizona alone, it ranks 277 of 441 places by risk. See the full county-by-county picture for Arizona on its state page.
Shopping for coverage in St. Michaels
St. Michaels's high rating (76th 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in St. Michaels (82%), 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
Every one of the two percentiles behind St. Michaels's 7,459-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond St. Michaels, see the exposure-zones guide.