Tonalea, AZ
Tonalea, AZ's wildfire risk, in USFS's own numbers
Tonalea sits at the 15th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 183 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Tonalea at the 20th national percentile — 5 points above its risk-to-structures score, a gap driven by how much is actually built there.
Tonalea's building exposure, zone by zone
USFS classifies 91.8% of Tonalea's buildings as Direct exposure, higher than its 8.2% Indirect share and far above its 0% Minimal share — a profile where 168 structures sit close enough to vegetation that lot clearing matters most.
Tonalea against the rest of the country
There's little gap between Tonalea's 15th national percentile and its 1st percentile inside Arizona, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Tonalea ranks 26,872 for wildfire risk (1 is highest) and 25,490 by building count (1 is largest). Within Arizona alone, it ranks 437 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
Tonalea's low wildfire rating (15th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Tonalea (91.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Tonalea's 15th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Tonalea, see the exposure-zones guide.