McRae, AR
McRae, AR's wildfire risk, in USFS's own numbers
USFS scores McRae at the 62nd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 385 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, McRae's burn probability — fire likelihood with no building count factored in — sits at the 65th percentile nationally.
McRae's building exposure, zone by zone
Indirect exposure is dominant in McRae (52% of 385 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 48.1% sit in the Direct zone.
How McRae compares
McRae's 62nd national percentile looks worse in isolation than its 46th ranking inside Arkansas does — this place is on the milder end for its own state, by 17 points. Among the 31,521 US communities USFS scores, McRae ranks 11,871 for wildfire risk (1 is highest) and 19,518 by building count (1 is largest). Within Arkansas alone, it ranks 334 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 62nd percentile nationally, McRae 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.
What would actually reduce this score
With ember exposure the dominant pattern in McRae (52% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind McRae's 11,871-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond McRae, see the exposure-zones guide.