Arizona wildfire risk

Arizona's recorded fire history

Federal perimeter records list 1,914 mapped wildfires in Arizona since 2000. The largest on that record is the Wallow Fire of 2011, which burned 538,052 acres.

Recorded history feeds directly into your address score: our model counts mapped burns within 25 miles of a parcel, weighted toward large ones. It is worth knowing the limitation, though — a long record of successful suppression can leave an area reading quiet while fuel accumulates, which is precisely the condition that produces the next large fire.

Where hazard concentrates in Arizona

Wildfire hazard is not spread evenly across a state. These are the 5 counties in Arizona with the highest wildfire risk scores in FEMA's National Risk Index, with the building value each has sitting in exposed areas.

Pima County carries the highest score in the state at 99.7. If your address is there, or in any of the counties above, the statewide average understates your situation considerably — which is the reason to check the parcel rather than the state.

How Arizona ranks nationally

FEMA's National Risk Index scores every US county for expected annual wildfire loss. Across Arizona's 15 assessed counties the average wildfire hazard score is 92.9, which places the state 2nd of the 50 states. The most exposed county in Arizona scores 99.7.

Against a 50-state average of 52.7, Arizona sits 40.2 points above it. Rank 2 of 50. The National Risk Index blends how often wildfire is expected with how much is standing in the way, so a state can post a moderate score with severe local hazard wherever development has pushed into the wildland-urban interface.

Roughly $172.1B of building value sits inside Arizona's wildfire-exposed areas. That figure is what drives carrier behaviour: insurers manage concentration of exposure, so a state can have modest average hazard and still see availability problems wherever that value clusters in the wildland-urban interface.

Arizona wildfire season

Arizona's fire season typically runs from late spring through to the first autumn precipitation, peaking in July and August. Snowpack and spring moisture set the tone for the year — a dry winter usually means an early and long season.

Insurance in Arizona

Arizona does not operate a FAIR Plan in the way the western fire states do, which in practice means the surplus lines market is the fallback for a parcel the admitted market declines. An independent broker is more useful here than a captive agent, because only they can access those carriers.

Residual-market availability and the rules governing it change. Confirm the current position with the Arizona Department of Insurance before you rely on it.

Whatever the market looks like in your area, the sequence is the same: document mitigation before your renewal date, work with an independent broker who can access surplus lines, and ask directly whether the carrier credits wildfire mitigation. The full fire insurance guide covers non-renewal, FAIR Plans and difference-in-conditions wraps in detail.

Lowering your risk in Arizona

The two changes with the best return anywhere in the country are clearing the first five feet around the structure to non-combustible material, and screening vents against ember entry. Both are cheap, both address the mechanism that destroys most homes, and both are visible to an underwriter if you photograph and invoice them. What qualifies and how to document it.