Fargo, AR
Fargo wildfire risk explained
Out of every US place USFS scores, Fargo lands at the 50th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 64 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fargo at the 51st national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Fargo's buildings actually sit
71.9% of Fargo's 64 buildings sit in USFS's Direct exposure zone, roughly 46 structures close enough to burnable vegetation for flame contact, not just embers — 28.1% fall in the Indirect, ember-only zone and 0% are Minimal.
Fargo against the rest of the country
Fargo ranks lower within Arkansas (25th percentile statewide) than its 50th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Fargo ranks 15,873 for wildfire risk (1 is highest) and 30,492 by building count (1 is largest). Within Arkansas alone, it ranks 462 of 614 places by risk. See the full county-by-county picture for Arkansas on its state page.
Fargo and the insurance market
At the 50th national percentile, Fargo rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Fargo (71.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Fargo's figures come from
The methodology guide shows exactly how USFS turned 64 counted buildings into the percentiles shown above for Fargo. The exposure-zones guide covers what Fargo's dominant direct exposure actually means, with real examples from across the dataset.