Top-of-the-World, AZ
Top-of-the-World wildfire risk explained
Top-of-the-World's 184 buildings earn a 98th-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 Top-of-the-World at the 96th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Top-of-the-World's buildings actually sit
Of Top-of-the-World's 184 counted buildings, 100% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Top-of-the-World against the rest of the country
Top-of-the-World scores 98th nationally and 87th within Arizona — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Top-of-the-World ranks 682 for wildfire risk (1 is highest) and 25,447 by building count (1 is largest). Within Arizona alone, it ranks 60 of 441 places by risk. See the full county-by-county picture for Arizona on its state page.
Shopping for coverage in Top-of-the-World
Top-of-the-World's very high rating (98th 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.
Lowering exposure, not just insuring around it
Top-of-the-World's 100% 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 Top-of-the-World's figures come from
Top-of-the-World'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 Top-of-the-World's dominant direct exposure actually means, with real examples from across the dataset.