Timberline-Fernwood, AZ
Timberline-Fernwood, AZ's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Timberline-Fernwood lands at the 98th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 1,542 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Timberline-Fernwood at the 98th percentile, close to its 98th-percentile risk score.
Timberline-Fernwood's building exposure, zone by zone
93.3% of Timberline-Fernwood's 1,542 buildings sit in USFS's Direct exposure zone, roughly 1,438 structures close enough to burnable vegetation for flame contact, not just embers — 6.7% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Timberline-Fernwood ranks
Timberline-Fernwood's risk sits at a similar level relative to Arizona (90th percentile statewide) as it does nationally (98th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Timberline-Fernwood ranks 527 for wildfire risk (1 is highest) and 8,976 by building count (1 is largest). Within Arizona alone, it ranks 44 of 441 places by risk. See the full county-by-county picture for Arizona on its state page.
Timberline-Fernwood and the insurance market
At the 98th percentile nationally, Timberline-Fernwood 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
With 93.3% of Timberline-Fernwood 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 Timberline-Fernwood's figures come from
Timberline-Fernwood's 98th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Timberline-Fernwood's dominant direct exposure actually means, with real examples from across the dataset.