Hardy, AR
Hardy wildfire risk explained
Out of every US place USFS scores, Hardy lands at the 72nd percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 724 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hardy at the 74th national percentile — 3 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
724 buildings are counted in Hardy, and 75% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0.3% rated Minimal.
Hardy against the rest of the country
Hardy scores 72nd nationally and 58th 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, Hardy ranks 8,971 for wildfire risk (1 is highest) and 14,401 by building count (1 is largest). Within Arkansas alone, it ranks 258 of 614 places by risk. See the full county-by-county picture for Arkansas on its state page.
Hardy and the insurance market
Hardy's high rating (72nd 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.
What would actually reduce this score
Because Direct exposure dominates in Hardy (75%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Hardy's figures come from
Every one of the two percentiles behind Hardy's 8,971-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hardy's dominant direct exposure actually means, with real examples from across the dataset.