Henderson, AR
Henderson wildfire risk explained
Out of every US place USFS scores, Henderson lands at the 76th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 842 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Henderson's burn probability — fire likelihood with no building count factored in — sits at the 77th percentile nationally.
Henderson's building exposure, zone by zone
92.2% of Henderson's 842 buildings sit in USFS's Direct exposure zone, roughly 776 structures close enough to burnable vegetation for flame contact, not just embers — 6.5% fall in the Indirect, ember-only zone and 1.3% are Minimal.
How Henderson compares
Henderson scores 76th nationally and 68th 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, Henderson ranks 7,619 for wildfire risk (1 is highest) and 13,230 by building count (1 is largest). Within Arkansas alone, it ranks 200 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
Henderson's 76th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
With 92.2% of Henderson in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Henderson's 76th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Henderson, see the exposure-zones guide.