Summit, AZ
Summit, AZ's wildfire risk, in USFS's own numbers
Summit sits at the 86th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 2,912 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Summit at the 84th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Summit's buildings actually sit
Direct exposure dominates in Summit: 79.7% of its 2,912 buildings, versus 20.3% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Summit compares
Summit's 86th national percentile looks worse in isolation than its 57th ranking inside Arizona does — this place is on the milder end for its own state, by 29 points. Among the 31,521 US communities USFS scores, Summit ranks 4,400 for wildfire risk (1 is highest) and 5,568 by building count (1 is largest). Within Arizona alone, it ranks 189 of 441 places by risk. See the full county-by-county picture for Arizona on its state page.
Shopping for coverage in Summit
At the 86th percentile nationally, Summit carries the very 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 Summit (79.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Summit's figures come from
The methodology guide shows exactly how USFS turned 2,912 counted buildings into the percentiles shown above for Summit. The exposure-zones guide covers what Summit's dominant direct exposure actually means, with real examples from across the dataset.