Fair Oaks, AR
Fair Oaks wildfire risk explained
Fair Oaks sits at the 25th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 83 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fair Oaks at the 26th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Only 25.3% of Fair Oaks's 83 buildings carry Direct exposure and 12.1% carry Indirect; the remaining 62.7% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Fair Oaks ranks
Fair Oaks's risk sits at a similar level relative to Arkansas (12th percentile statewide) as it does nationally (25th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Fair Oaks ranks 23,721 for wildfire risk (1 is highest) and 29,752 by building count (1 is largest). Within Arkansas alone, it ranks 543 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
Fair Oaks's moderate wildfire rating (25th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Fair Oaks's 62.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Fair Oaks's 23,721-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Fair Oaks, see the exposure-zones guide.