Wilhoit, AZ
Wilhoit, AZ's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Wilhoit at the 92nd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 786 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Wilhoit's burn probability — fire likelihood with no building count factored in — sits at the 89th percentile nationally.
Wilhoit's building exposure, zone by zone
786 buildings are counted in Wilhoit, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Wilhoit compares
Wilhoit's 92nd national percentile looks worse in isolation than its 68th ranking inside Arizona does — this place is on the milder end for its own state, by 24 points. Among the 31,521 US communities USFS scores, Wilhoit ranks 2,446 for wildfire risk (1 is highest) and 13,754 by building count (1 is largest). Within Arizona alone, it ranks 142 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
Wilhoit's 92nd-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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Wilhoit (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Wilhoit's 92nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Wilhoit, see the exposure-zones guide.