Yarnell, AZ
Yarnell, AZ's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Yarnell at the 91st national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 837 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Yarnell's burn probability — fire likelihood with no building count factored in — sits at the 88th percentile nationally.
What "at risk" means for the buildings here
837 buildings are counted in Yarnell, and 56% 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.
Yarnell against the rest of the country
Yarnell ranks lower within Arizona (65th percentile statewide) than its 91st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Yarnell ranks 2,794 for wildfire risk (1 is highest) and 13,281 by building count (1 is largest). Within Arizona alone, it ranks 154 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
At the 91st percentile nationally, Yarnell 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 56% of Yarnell 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 Yarnell's figures come from
Yarnell's 91st-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 Yarnell's dominant direct exposure actually means, with real examples from across the dataset.