Cherokee City, AR
Cherokee City wildfire risk explained
Cherokee City sits at the 89th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 75 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cherokee City at the 91st national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Cherokee City's buildings actually sit
Of Cherokee City's 75 counted buildings, 100% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Cherokee City against the rest of the country
Cherokee City scores 89th nationally and 98th within Arkansas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Cherokee City ranks 3,455 for wildfire risk (1 is highest) and 30,072 by building count (1 is largest). Within Arkansas alone, it ranks 14 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
Cherokee City's very high rating (89th 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
With 100% of Cherokee City in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Cherokee City's figures come from
The methodology guide shows exactly how USFS turned 75 counted buildings into the percentiles shown above for Cherokee City. The exposure-zones guide covers what Cherokee City's dominant direct exposure actually means, with real examples from across the dataset.