White Mountain Lake, AZ
White Mountain Lake wildfire risk explained
Out of every US place USFS scores, White Mountain Lake lands at the 90th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 2,272 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, White Mountain Lake's burn probability — fire likelihood with no building count factored in — sits at the 87th percentile nationally.
What "at risk" means for the buildings here
Of White Mountain Lake's 2,272 counted buildings, 55.2% carry Direct exposure and only 0.5% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where White Mountain Lake ranks
White Mountain Lake ranks lower within Arizona (63rd percentile statewide) than its 90th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, White Mountain Lake ranks 3,174 for wildfire risk (1 is highest) and 6,767 by building count (1 is largest). Within Arizona alone, it ranks 164 of 441 places by risk. See the full county-by-county picture for Arizona on its state page.
White Mountain Lake and the insurance market
White Mountain Lake's very high rating (90th 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.
Hardening a home in White Mountain Lake
With 55.2% of White Mountain Lake 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 White Mountain Lake's figures come from
White Mountain Lake's 90th-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 White Mountain Lake's dominant direct exposure actually means, with real examples from across the dataset.