White Hills, AZ
White Hills, AZ's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts White Hills at the 87th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 571 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, White Hills's burn probability — fire likelihood with no building count factored in — sits at the 86th percentile nationally.
Where White Hills's buildings actually sit
94.9% of White Hills's 571 buildings sit in USFS's Direct exposure zone, roughly 542 structures close enough to burnable vegetation for flame contact, not just embers — 5.1% fall in the Indirect, ember-only zone and 0% are Minimal.
How White Hills compares
White Hills's 87th national percentile looks worse in isolation than its 58th ranking inside Arizona does — this place is on the milder end for its own state, by 28 points. Among the 31,521 US communities USFS scores, White Hills ranks 4,180 for wildfire risk (1 is highest) and 16,231 by building count (1 is largest). Within Arizona alone, it ranks 184 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
White Hills's 87th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
White Hills's 94.9% 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.
Where White Hills's figures come from
Every one of the two percentiles behind White Hills's 4,180-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what White Hills's dominant direct exposure actually means, with real examples from across the dataset.