Tonto Village, AZ
Tonto Village wildfire risk explained
Tonto Village's 196 buildings earn a 100th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Tonto Village at the 100th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Tonto Village's buildings actually sit
USFS classifies 69.9% of Tonto Village's buildings as Direct exposure, higher than its 30.1% Indirect share and far above its 0% Minimal share — a profile where 137 structures sit close enough to vegetation that lot clearing matters most.
Tonto Village against the rest of the country
There's little gap between Tonto Village's 100th national percentile and its 98th percentile inside Arizona, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Tonto Village ranks 114 for wildfire risk (1 is highest) and 24,985 by building count (1 is largest). Within Arizona alone, it ranks 13 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
Tonto Village's very high rating (100th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Tonto Village's 69.9% 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.
More on how this number was built
Tonto Village's 100th-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 Tonto Village, see the exposure-zones guide.