Oxford, AR
Oxford wildfire risk explained
USFS's Wildfire Risk to Communities model puts Oxford at the 80th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 568 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Oxford at the 83rd percentile, close to its 80th-percentile risk score.
Where Oxford's buildings actually sit
Direct exposure dominates in Oxford: 92.3% of its 568 buildings, versus 7.8% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Oxford compares
Oxford's risk sits at a similar level relative to Arkansas (80th percentile statewide) as it does nationally (80th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Oxford ranks 6,389 for wildfire risk (1 is highest) and 16,278 by building count (1 is largest). Within Arkansas alone, it ranks 123 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
Oxford's 80th-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.
Hardening a home in Oxford
Oxford's 92.3% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Oxford's 6,389-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Oxford, see the exposure-zones guide.