Bergman, AR
Bergman wildfire risk explained
USFS scores Bergman at the 81st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 319 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bergman at the 84th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Bergman's buildings actually sit
Direct exposure dominates in Bergman: 87.8% of its 319 buildings, versus 12.2% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Bergman ranks
There's little gap between Bergman's 81st national percentile and its 83rd percentile inside Arkansas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Bergman ranks 6,009 for wildfire risk (1 is highest) and 21,110 by building count (1 is largest). Within Arkansas alone, it ranks 102 of 614 places by risk. See the full county-by-county picture for Arkansas on its state page.
Shopping for coverage in Bergman
Bergman's very high rating (81st 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
Bergman's 87.8% 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 319 counted buildings into the percentiles shown above for Bergman. For more on what direct exposure implies beyond Bergman, see the exposure-zones guide.