Three Points, AZ
Three Points, AZ's wildfire risk, in USFS's own numbers
USFS scores Three Points at the 88th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 3,639 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Three Points at the 87th percentile, close to its 88th-percentile risk score.
Where Three Points's buildings actually sit
98.7% of Three Points's 3,639 buildings sit in USFS's Direct exposure zone, roughly 3,591 structures close enough to burnable vegetation for flame contact, not just embers — 1.3% fall in the Indirect, ember-only zone and 0% are Minimal.
Three Points against the rest of the country
Inside Arizona, Three Points sits at just the 61st percentile even though it scores 88th 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, Three Points ranks 3,678 for wildfire risk (1 is highest) and 4,602 by building count (1 is largest). Within Arizona alone, it ranks 174 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
At the 88th percentile nationally, Three Points 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.
What would actually reduce this score
Three Points's 98.7% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Three Points's figures come from
The methodology guide shows exactly how USFS turned 3,639 counted buildings into the percentiles shown above for Three Points. The exposure-zones guide covers what Three Points's dominant direct exposure actually means, with real examples from across the dataset.