Garfield, AR
Garfield, AR's wildfire risk, in USFS's own numbers
Garfield's 472 buildings earn a 75th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Garfield's burn probability — fire likelihood with no building count factored in — sits at the 76th percentile nationally.
Where Garfield's buildings actually sit
Of Garfield's 472 counted buildings, 93.6% 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.
How Garfield compares
Garfield scores 75th nationally and 64th 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, Garfield ranks 7,902 for wildfire risk (1 is highest) and 17,835 by building count (1 is largest). Within Arkansas alone, it ranks 219 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
At the 75th percentile nationally, Garfield carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Garfield
Garfield's 93.6% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 472 counted buildings into the percentiles shown above for Garfield. For more on what direct exposure implies beyond Garfield, see the exposure-zones guide.