Very High wildfire risk · 61/100
Gila County, AZ Fire Insurance
Gila County carries a very high wildfire risk rating (61/100). 14 wildfires have been recorded within 25 miles since 2000 — the closest, the Aztec (2012), just 3.1 miles away. Carriers are actively repricing and non-renewing homes in this band; expect a shrinking pool of standard options. Here's what coverage costs, who still writes here, and how to lock it in.
Find who'll still cover a Gila County home →Gila County's wildfire risk profile
61/100
FireRisk score
Very High
Risk band
61
Neighborhood range
14
Fires within 25 mi (since 2000)
What this means for you
- The 61/100 score rates this area's wildfire exposure from 0 (minimal) to 100 (extreme). Insurers use similar models to decide whether to offer a policy and what to charge — a score this high is what triggers premium increases and non-renewals.
- “Very High” is the band that score falls into. Homes here are among the first that carriers reprice or decline to renew.
- The neighborhood range is how much risk varies street to street. Risk is fairly consistent across this area, though your specific lot still matters.
- 14 fires within 25 miles since 2000 is the area's recent track record. Underwriters treat a longer nearby fire history as higher risk for the whole ZIP — not only the homes that actually burned.
The closest federally recorded wildfire is the Aztec (2012), about 3.1 miles away. Insurers weigh this proximity heavily — risk varies street by street, so see the full Gila County risk report or check your exact address.
What very high risk means for your coverage
Carriers are actively repricing and non-renewing homes in this band; expect a shrinking pool of standard options. Arizona’s insurance pressure is concentrated in the high country — Flagstaff, Prescott, the Mogollon Rim, and the White Mountains — where forest-fire risk and post-fire flooding drive higher premiums and tighter underwriting.
What fire insurance costs in Gila County
High-country Arizona homes face rising premiums; carriers increasingly require defensible space and ember-resistant features. Firewise participation can help with some carriers.
~$1,496/yr in mitigation-linked discounts and credits may be available to Gila County homeowners who harden and document their home.
Arizona FAIR Plan — the backstop
Arizona’s insurer of last resort provides basic property coverage when admitted carriers decline a high-risk home. How FAIR Plans work →
Your insurer is quietly re-evaluating every policy in your ZIP.
Industry reports describe major carriers dropping or repricing large numbers of high-risk policies in recent years. Waiting until renewal to act tends to leave you the fewest options.
What happens if you wait
High-risk homeowners have faced steep rate increases in recent years. Non-standard market policies — when you can find them — often cost substantially more.
Insurers have filed hundreds of thousands of non-renewals in fire-risk areas in recent years. Notices typically arrive ~60 days before expiration.
IBHS-certified homes may qualify for premium reductions with participating carriers. Discounts vary by carrier, state, and property.
Research suggests homes with elevated fire risk can sell below comparable homes, as buyers price in insurance cost. Individual results vary.
High risk doesn’t mean uninsurable.
We match Arizona homeowners with licensed agents who write very high-risk wildfire homes. Start with your email — we’ll send your comparison and, if you want, connect you with an agent. Free, no obligation.
$1,496/yr — typical savings when Arizona homeowners compare carriers.
Go deeper on Gila County
See the full wildfire-risk breakdown, or compare insurance in nearby Arizona areas.
Gila County wildfire risk report →Gila County fire insurance FAQ
Is it hard to get fire insurance in Gila County, AZ?
Gila County carries a very high wildfire risk rating (61/100 on FireRisk's federal-data model). Carriers are actively repricing and non-renewing homes in this band; expect a shrinking pool of standard options. 14 wildfires have been federally recorded within 25 miles since 2000, the closest being the Aztec (2012), 3.1 miles away.
How much does fire insurance cost in Gila County?
High-country Arizona homes face rising premiums; carriers increasingly require defensible space and ember-resistant features. Firewise participation can help with some carriers. A very high-risk Gila County home sits toward the upper end of that spread. Your exact premium depends on construction, rebuild cost, and documented mitigation — homeowners here may access roughly $1,496/yr in mitigation-linked discounts and credits.
Does the Arizona FAIR Plan cover Gila County?
Arizona’s insurer of last resort provides basic property coverage when admitted carriers decline a high-risk home. It applies statewide, so Gila County homeowners declined by admitted carriers can use it as a backstop.
Can I lower my Gila County fire insurance premium?
Yes. Document defensible space, harden the home (Class-A roof, ember-resistant vents, Zone 0 clearance), and pursue IBHS "Wildfire Prepared Home" certification — these unlock 5–25% discounts with participating carriers and can be the difference between a "yes" and a non-renewal.
Arizona fire insurance guide →
Statewide market, FAIR Plan, non-renewal playbook, and every discount available.
Been non-renewed? →
Your rights and the step-by-step path back to coverage after a non-renewal.
FireRisk scores are modeled from federal wildfire data for orientation and are not an insurance rating, an offer of coverage, or a guarantee of price or eligibility. Cost and savings figures are estimates that vary by home, carrier, and year. Verify all coverage with licensed carriers and confirm current programs with your state Department of Insurance. FireRisk.ai is independent; we may be compensated when you request quotes through a partner.