Steamboat, AZ
How exposed is Steamboat to wildfire?
Out of every US place USFS scores, Steamboat lands at the 38th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 107 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Steamboat at the 33rd national percentile — 5 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Steamboat's buildings actually sit
Of Steamboat's 107 counted buildings, 86.9% 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.
Where Steamboat ranks
Inside Arizona, Steamboat sits at just the 11th percentile even though it scores 38th 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, Steamboat ranks 19,655 for wildfire risk (1 is highest) and 28,721 by building count (1 is largest). Within Arizona alone, it ranks 395 of 441 places by risk. See the full county-by-county picture for Arizona on its state page.
Steamboat and the insurance market
Steamboat's moderate rating (38th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Steamboat (86.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Steamboat's figures come from
The methodology guide shows exactly how USFS turned 107 counted buildings into the percentiles shown above for Steamboat. The exposure-zones guide covers what Steamboat's dominant direct exposure actually means, with real examples from across the dataset.