Vernon, AZ
Vernon wildfire risk explained
Out of every US place USFS scores, Vernon lands at the 99th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 117 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Vernon at the 98th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Vernon's buildings actually sit
Of Vernon's 117 counted buildings, 84.6% 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.
How Vernon compares
Vernon scores 99th nationally and 93rd 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, Vernon ranks 430 for wildfire risk (1 is highest) and 28,286 by building count (1 is largest). Within Arizona alone, it ranks 33 of 441 places by risk. See the full county-by-county picture for Arizona on its state page.
Shopping for coverage in Vernon
At the 99th percentile nationally, Vernon 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.
Lowering exposure, not just insuring around it
With 84.6% of Vernon 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 Vernon's figures come from
Vernon's 99th-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 Vernon's dominant direct exposure actually means, with real examples from across the dataset.