Midway (Hot Spring), AR
How exposed is Midway (Hot Spring) to wildfire?
Midway (Hot Spring)'s 320 buildings earn a 67th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Midway (Hot Spring) at the 70th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Midway (Hot Spring)'s buildings actually sit
320 buildings are counted in Midway (Hot Spring), and 95.9% 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.
Midway (Hot Spring) against the rest of the country
Inside Arkansas, Midway (Hot Spring) sits at just the 51st percentile even though it scores 67th 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, Midway (Hot Spring) ranks 10,454 for wildfire risk (1 is highest) and 21,082 by building count (1 is largest). Within Arkansas alone, it ranks 299 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 67th percentile nationally, Midway (Hot Spring) 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 Midway (Hot Spring) (95.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Midway (Hot Spring)'s figures come from
The methodology guide shows exactly how USFS turned 320 counted buildings into the percentiles shown above for Midway (Hot Spring). The exposure-zones guide covers what Midway (Hot Spring)'s dominant direct exposure actually means, with real examples from across the dataset.