Hartman, AR
Hartman, AR's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Hartman at the 76th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 356 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hartman at the 80th national percentile — 4 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
USFS classifies 86% of Hartman's buildings as Direct exposure, higher than its 14% Indirect share and far above its 0% Minimal share — a profile where 306 structures sit close enough to vegetation that lot clearing matters most.
Where Hartman ranks
There's little gap between Hartman's 76th national percentile and its 68th percentile inside Arkansas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hartman ranks 7,618 for wildfire risk (1 is highest) and 20,151 by building count (1 is largest). Within Arkansas alone, it ranks 199 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 76th percentile nationally, Hartman 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 Hartman (86%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Hartman's figures come from
The methodology guide shows exactly how USFS turned 356 counted buildings into the percentiles shown above for Hartman. The exposure-zones guide covers what Hartman's dominant direct exposure actually means, with real examples from across the dataset.