Whiteriver, AZ
How exposed is Whiteriver to wildfire?
USFS's Wildfire Risk to Communities model puts Whiteriver at the 98th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 1,356 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Whiteriver at the 97th percentile, close to its 98th-percentile risk score.
Whiteriver's building exposure, zone by zone
USFS classifies 59.7% of Whiteriver's buildings as Direct exposure, higher than its 40.3% Indirect share and far above its 0% Minimal share — a profile where 809 structures sit close enough to vegetation that lot clearing matters most.
Whiteriver against the rest of the country
Whiteriver scores 98th nationally and 90th 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, Whiteriver ranks 528 for wildfire risk (1 is highest) and 9,804 by building count (1 is largest). Within Arizona alone, it ranks 45 of 441 places by risk. See the full county-by-county picture for Arizona on its state page.
Whiteriver and the insurance market
Whiteriver'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
With 59.7% of Whiteriver 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,356 counted buildings into the percentiles shown above for Whiteriver. For more on what direct exposure implies beyond Whiteriver, see the exposure-zones guide.