Fairfield Bay, AR
How exposed is Fairfield Bay to wildfire?
Fairfield Bay sits at the 77th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,208 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fairfield Bay at the 80th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Fairfield Bay's buildings actually sit
Direct exposure dominates in Fairfield Bay: 83.4% of its 1,208 buildings, versus 16% Indirect and 0.7% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Fairfield Bay against the rest of the country
Fairfield Bay scores 77th nationally and 72nd 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, Fairfield Bay ranks 7,142 for wildfire risk (1 is highest) and 10,598 by building count (1 is largest). Within Arkansas alone, it ranks 172 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
Fairfield Bay's high rating (77th 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
Fairfield Bay's 83.4% 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.
Where Fairfield Bay's figures come from
Fairfield Bay's 77th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Fairfield Bay's dominant direct exposure actually means, with real examples from across the dataset.