Tubac, AZ
How exposed is Tubac to wildfire?
USFS scores Tubac at the 98th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,281 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 Tubac at the 99th percentile, close to its 98th-percentile risk score.
Where Tubac's buildings actually sit
USFS classifies 74% of Tubac's buildings as Direct exposure, higher than its 26% Indirect share and far above its 0% Minimal share — a profile where 948 structures sit close enough to vegetation that lot clearing matters most.
Tubac against the rest of the country
Tubac's risk sits at a similar level relative to Arizona (89th 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, Tubac ranks 589 for wildfire risk (1 is highest) and 10,191 by building count (1 is largest). Within Arizona alone, it ranks 53 of 441 places by risk. See the full county-by-county picture for Arizona on its state page.
Shopping for coverage in Tubac
Tubac'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.
What would actually reduce this score
Because Direct exposure dominates in Tubac (74%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Tubac's figures come from
Tubac'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 Tubac's dominant direct exposure actually means, with real examples from across the dataset.