Wildfire Risk in Pine, AZ
Moderate → Very High by neighborhood
Pine and neighboring Strawberry sit in dense ponderosa forest directly beneath the Mogollon Rim — small communities ringed by heavy timber fuels with a single highway corridor for escape.
Risk · High end
69/100
Very High Risk
range 28–69 by area
Reviewed by Tom Hunt, Wildfire Risk Expert
Wildfire risk varies by neighborhood in Pine. Across the city our federal-data samples range from moderate (28/100) in lower-risk areas to very high (69/100) nearer open wildland and vegetation. A citywide number can mislead either way — check your exact address for the score that applies to your home.
Fire locations come from NIFC — they update about once a day and are not real-time. In an emergency, always follow the official orders from your local authorities. Basemap © Mapbox © OpenStreetMap.
Wildfire hazard in Pine
Pine, Arizona spans moderate to very high risk (28–69/100) depending on the neighborhood, with the high end nearest open wildland and vegetation. Pine ranks in the very-high wildfire-hazard tier — among the more dangerous fire environments in the region (a 69/100 FireRisk). the USFS Wildfire Risk to Communities model rates the risk to structures here as Very High. Federal records show 114 wildfires within 25 miles since 2000 — the closest, the Point Fire (2009), burned about 3.0 miles away. Risk varies dramatically block to block, so the map shows the area while your exact address determines your true score.
Get the full report for your address →About wildfire risk in Pine
Fire history
The 1990 Dude Fire (over 24,000 acres, 63 homes, six firefighters killed) burned in this same Rim country to the east near Payson; the Tonto and Coconino national forests around Pine carry heavy suppression-era fuel loads and burn in the pre-monsoon dry season. The town’s setting and limited egress make it a high-concern WUI community.
Terrain & fuels
Dense ponderosa pine surrounds Pine at roughly 5,400 ft beneath the Rim; steep terrain, continuous timber, and the single Highway 87 corridor define both the fire and evacuation hazard.
Insurance outlook
Gila County WUI homes face rising premiums and selective non-renewals; defensible space in pine is a common condition of coverage.
Pine fire insurance: cost & who still writes here →Local programs & resources
- Firewise USA. A recognized community wildfire-mitigation program; participating neighborhoods can qualify for grants and, with some carriers, premium credits.
- Arizona DFFM. State WUI mitigation and cost-share resources.
Fire history near Pine
114 federally recorded wildfires (since 2000) within 25 miles. The closest is the Point Fire (2009), 3.0 miles away. Tap any fire for quick facts.
Where this score falls
This score plotted on the full wildfire-risk scale.
Risk varies block to block in Pine
This score is for the area. Your street, slope, and defensible space change it a lot — check your exact address for a free, instant home-level score, map, and report.
What Pine wildfire risk means for your insurance
Maximum potential savings
$1,584/yr
Across 10 programs — confirm eligibility with your carrier
Annual discounts + one-time grants averaged over 5 yrs · discounts may not all stack
$884recurring/yr
$3,500one-time grants
IBHS Wildfire Prepared Home™ Discount
5–25% premium reductionThe gold standard for wildfire home ratings. Major carriers (State Farm, Farmers, Nationwide, Allstate) offer 5–25% discounts for IBHS certification. A third-party inspector grades your home on five systems: roof, vent, deck, wall, and window glazing. Half-day inspection, long-lasting payoff.
✓ WUI homeowners nationwide — confirm discount with your carrier before scheduling inspection
Firewise USA Community Discount
5–15% premium reductionResidents of NFPA-recognized Firewise USA communities qualify for discounts from State Farm, Farmers, and many regional carriers. Over 1,600 communities are recognized nationwide. Check firewise.org/find-a-firewise-community to see if yours qualifies.
✓ Residents of officially recognized Firewise USA communities — verify with your carrier
Documented Defensible Space Discount
5–12% premium reductionMost WUI carriers offer standalone discounts for documented Zone 1, 2 & 3 clearance — no full IBHS cert required. Submit dated before/after photos plus a contractor invoice or county assessment letter to your agent.
✓ Contact your carrier — requires written documentation of Zone 1 (0–5ft), Zone 2 (5–30ft), and Zone 3 (30–100ft) clearance
Class A Fire-Rated Roofing Discount
3–8% premium reductionMetal, concrete tile, or Class A composition shingles eliminate ember ignition from above and qualify for carrier discounts in all wildfire states. Provide your carrier a letter from the roofing contractor confirming the UL Class A rating.
✓ New or recently replaced roofs — ask your carrier for their fire-rating documentation requirements
Home Hardening & Fire-Resistant Materials Discount
3–12% premium reductionDocumenting fire-resistant upgrades — fiber cement siding, metal gutters, dual-pane tempered windows, enclosed eaves, and 1/16" ember-resistant vents — can qualify for additional carrier discounts. Bundle with defensible space docs for maximum combined discount.
✓ Ask your carrier for their home hardening checklist and documentation requirements
AZ Dept. of Forestry & Fire Management Grant
Up to $5,000Arizona DFFM administers USDA SFA grants for fuels reduction and home hardening in WUI communities. Priority areas: White Mountains, Prescott Highlands, Flagstaff, and Rim Country. Apply at dffm.az.gov. Yarnell Hill and Monument fire areas have dedicated programs.
✓ Arizona WUI private landowners — dffm.az.gov
USDA NRCS EQIP Fuels Reduction Grant
Up to $150,000 (agricultural land)USDA Natural Resources Conservation Service pays 50–75% of wildfire-related conservation work (prescribed burns, thinning, silvopasture) on active agricultural land through EQIP. Application windows open annually in fall. NOTE: requires USDA Farm Service Agency farm/tract number — not available to most residential homeowners.
✓ Active agricultural producers and rural farm operators only — find your NRCS office at nrcs.usda.gov
USDA Forest Service State Fire Assistance (SFA)
Passthrough to state programsUSDA Forest Service SFA grants flow to every state forestry agency, which distributes them as cost-share programs and grants. This is the federal funding source behind the state-specific programs listed here — you apply through your state forestry agency, not directly to USFS.
✓ Applied through your state’s forestry agency — see state-specific programs above
Four Forest Restoration Initiative (4FRI) Adjacency Benefit
Community risk reductionThe 4FRI is the largest ponderosa pine restoration project in US history, treating 2.4 million acres across Coconino, Apache, Navajo, and Yavapai counties. Properties adjacent to treated areas can document proximity to 4FRI work for carrier risk reduction discounts.
✓ Properties within 1 mile of 4FRI treatment areas — document with your carrier
Arizona Fire Safe Council Local Rebates
Varies by county ($500–2,000)Fire Safe Councils in Yavapai, Maricopa, Pinal, and Coconino counties run rebate programs for defensible space and home hardening. The Prescott area program (post-Yarnell Hill fire) is particularly well-funded. Visit azfiresafe.com for current contacts.
✓ Arizona WUI homeowners — check with your county fire district
Savings are estimates. Verify current amounts with your insurance carrier, CSFS district office, or tax professional before committing to work.
What wildfire risk does to this home's value
Beyond premiums, wildfire risk is capitalized into market value — buyers pay less for homes that cost more to insure and carry a disclosed hazard. Adjust the value below to estimate the impact on a very high-risk home.
Estimated value impact
−$17K to −$26K
roughly 4.0%–6.0% of value
The durable effect of a standing very high-risk designation — not the larger, temporary drop right after a nearby fire, which typically recovers in 1–3 years.
Insurance carrying cost
~$1,054/yr
Estimated added wildfire premium. Capitalized at a 7% rate, that recurring cost alone reduces value by about $15,057 — the mechanism behind much of the discount.
Market & disclosure discount
4.0%–6.0%
Peer-reviewed CA data finds homes with a disclosed wildfire hazard sell for ~4–6% less; Redfin finds high-risk ZIPs now trade at a discount after years of slower appreciation.
Estimate, not an appraisal. Modeled from your risk tier and an adjustable home value, using insurance-cost capitalization and published wildfire price-discount research (Land Economics 2024 / RFF; GAO-26-107867; Redfin; Eastman-Kim 2024). Individual homes vary with hardening, views, and local demand. Methodology & sources on the methodology page.
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.
$884/yr — typical savings when Arizona homeowners compare carriers.
Lower your wildfire risk in Pine
Get a certified fire mitigation contractor in Arizona
We connect you with trusted, locally-licensed crews who do the physical work that lowers your risk score — and document it so your insurer and Arizona's grant programs recognize it.
What your contractor handles
On-site evaluation of all three zones, documented to insurer and state standards.
Ladder-fuel removal, tree limbing, and brush clearing by trained crews.
Ember-resistant vents, gutter guards, and Zone 1 non-combustible retrofits.
Documentation that unlocks carrier discounts and state grant reimbursements.
Book a free defensible space assessment
Most certified contractors assess at no cost. The visit documents your property to the standard insurers require — and 1 of your recommended actions qualify for Arizona grant or rebate funding.
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Contractor Matching — Coming Soon
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✓ Licensed & insured crews
✓ Serving Arizona
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Defensible space & home hardening →
The specific work that measurably lowers your score — with the grants and tax credits that pay for it.
Is there a fire near Pine right now?
The map above shows active fires from NIFC. For live evacuation alerts, smoke, and incident updates, these official sources are the fastest:
Before the next Red Flag day
Know exactly how to protect your home in Pine — free
Build a personalized, prioritized mitigation plan in 2 minutes — every step tied to the insurance discount, tax credit, and grant it unlocks. Then get a shortlist of trusted local contractors to do the work.
Pine wildfire FAQ
Is Pine at risk for wildfires?
Yes — Pine, Arizona carries a Very High wildfire risk rating (69/100 at the high end), so it faces meaningful wildfire exposure. Across the city our federal-data samples range from 28 to 69/100, so risk varies sharply from neighborhood to neighborhood. 114 wildfires have been recorded within 25 miles since 2000. Risk varies street by street, so check your exact address for a precise score.
Is Pine in a high wildfire risk area?
Pine, Arizona carries a Very High wildfire risk rating (69/100 at the high end) based on USFS Wildfire Risk to Communities, FEMA National Risk Index, terrain, and recorded fire history. Risk is far from uniform — our samples span moderate to very high across the city, with the high end nearest open wildland and vegetation. Risk varies street by street — check your exact address for a precise score.
How do I check my home's wildfire risk in Pine?
Enter your street address into FireRisk.ai for a free, instant report. It pulls federal data for your exact coordinates and returns a 0–100 risk score, a satellite map of your defensible-space zones, nearby fire history, and your insurance and mitigation options.
Does wildfire risk affect home insurance in Pine?
Yes. Federal hazard data like what's in this report informs insurer and catastrophe modeler inputs in Arizona, and high-risk areas have seen premium increases and non-renewals. Documenting defensible space and home hardening can unlock discounts and help keep coverage.
More wildfire risk in Arizona
Official Arizona resources
Know your home's exact wildfire risk
Street-level risk in Pine varies enormously. Get your address's precise score, defensible-space map, and insurance options — free, in 30 seconds.
Check Pine address →