Avoca, AR
Avoca wildfire risk explained
USFS's Wildfire Risk to Communities model puts Avoca at the 71st national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 370 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Avoca at the 73rd percentile, close to its 71st-percentile risk score.
Avoca's building exposure, zone by zone
83.2% of Avoca's 370 buildings sit in USFS's Direct exposure zone, roughly 308 structures close enough to burnable vegetation for flame contact, not just embers — 16.8% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Avoca ranks
There's little gap between Avoca's 71st national percentile and its 58th percentile inside Arkansas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Avoca ranks 9,034 for wildfire risk (1 is highest) and 19,852 by building count (1 is largest). Within Arkansas alone, it ranks 261 of 614 places by risk. See the full county-by-county picture for Arkansas on its state page.
What this risk score means for insurance
Avoca's high rating (71st percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Avoca's 83.2% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 370 counted buildings into the percentiles shown above for Avoca. For more on what direct exposure implies beyond Avoca, see the exposure-zones guide.