Hagarville, AR
Hagarville wildfire risk explained
USFS scores Hagarville at the 79th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 194 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hagarville at the 83rd percentile, close to its 79th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Hagarville: 100% of its 194 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Hagarville ranks
There's little gap between Hagarville's 79th national percentile and its 78th percentile inside Arkansas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hagarville ranks 6,576 for wildfire risk (1 is highest) and 25,051 by building count (1 is largest). Within Arkansas alone, it ranks 137 of 614 places by risk. See the full county-by-county picture for Arkansas on its state page.
Hagarville and the insurance market
At the 79th percentile nationally, Hagarville 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Hagarville (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Hagarville's figures come from
The methodology guide shows exactly how USFS turned 194 counted buildings into the percentiles shown above for Hagarville. The exposure-zones guide covers what Hagarville's dominant direct exposure actually means, with real examples from across the dataset.