Bull Shoals, AR
How exposed is Bull Shoals to wildfire?
Out of every US place USFS scores, Bull Shoals lands at the 75th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 1,447 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bull Shoals at the 76th percentile, close to its 75th-percentile risk score.
Where Bull Shoals's buildings actually sit
73.1% of Bull Shoals's 1,447 buildings sit in USFS's Direct exposure zone, roughly 1,058 structures close enough to burnable vegetation for flame contact, not just embers — 26.7% fall in the Indirect, ember-only zone and 0.1% are Minimal.
Where Bull Shoals ranks
There's little gap between Bull Shoals's 75th national percentile and its 64th percentile inside Arkansas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Bull Shoals ranks 7,932 for wildfire risk (1 is highest) and 9,403 by building count (1 is largest). Within Arkansas alone, it ranks 222 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
Bull Shoals's high rating (75th 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
Bull Shoals's 73.1% 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 1,447 counted buildings into the percentiles shown above for Bull Shoals. For more on what direct exposure implies beyond Bull Shoals, see the exposure-zones guide.