Horatio, AR
Horatio wildfire risk explained
Out of every US place USFS scores, Horatio lands at the 68th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 639 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Horatio's burn probability — fire likelihood with no building count factored in — sits at the 72nd percentile nationally.
What "at risk" means for the buildings here
639 buildings are counted in Horatio, and 58.7% 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% rated Minimal.
Horatio against the rest of the country
Inside Arkansas, Horatio sits at just the 53rd percentile even though it scores 68th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Horatio ranks 10,011 for wildfire risk (1 is highest) and 15,336 by building count (1 is largest). Within Arkansas alone, it ranks 289 of 614 places by risk. See the full county-by-county picture for Arkansas on its state page.
Shopping for coverage in Horatio
Horatio's 68th-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.
What would actually reduce this score
Because Direct exposure dominates in Horatio (58.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Horatio's figures come from
The methodology guide shows exactly how USFS turned 639 counted buildings into the percentiles shown above for Horatio. The exposure-zones guide covers what Horatio's dominant direct exposure actually means, with real examples from across the dataset.