Cove, AR
Cove wildfire risk explained
USFS's Wildfire Risk to Communities model puts Cove at the 87th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 330 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cove at the 90th national percentile — 4 points above its risk-to-structures score, a gap driven by how much is actually built there.
Cove's building exposure, zone by zone
USFS classifies 81.5% of Cove's buildings as Direct exposure, higher than its 18.5% Indirect share and far above its 0% Minimal share — a profile where 269 structures sit close enough to vegetation that lot clearing matters most.
Cove against the rest of the country
There's little gap between Cove's 87th national percentile and its 95th percentile inside Arkansas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Cove ranks 4,211 for wildfire risk (1 is highest) and 20,812 by building count (1 is largest). Within Arkansas alone, it ranks 31 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
Cove's very high rating (87th 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.
Hardening a home in Cove
Because Direct exposure dominates in Cove (81.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 330 counted buildings into the percentiles shown above for Cove. For more on what direct exposure implies beyond Cove, see the exposure-zones guide.