Swift Trail Junction, AZ
Swift Trail Junction, AZ's wildfire risk, in USFS's own numbers
USFS scores Swift Trail Junction at the 91st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 990 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Swift Trail Junction's burn probability — fire likelihood with no building count factored in — sits at the 91st percentile nationally.
Where Swift Trail Junction's buildings actually sit
69.3% of Swift Trail Junction's 990 buildings sit in USFS's Direct exposure zone, roughly 686 structures close enough to burnable vegetation for flame contact, not just embers — 30.7% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Swift Trail Junction ranks
Inside Arizona, Swift Trail Junction sits at just the 66th percentile even though it scores 91st 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, Swift Trail Junction ranks 2,760 for wildfire risk (1 is highest) and 12,000 by building count (1 is largest). Within Arizona alone, it ranks 153 of 441 places by risk. See the full county-by-county picture for Arizona on its state page.
What this risk score means for insurance
Swift Trail Junction's 91st-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
With 69.3% of Swift Trail Junction in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Swift Trail Junction's figures come from
Every one of the two percentiles behind Swift Trail Junction's 2,760-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Swift Trail Junction's dominant direct exposure actually means, with real examples from across the dataset.