Saratoga, AR
Saratoga, AR's wildfire risk, in USFS's own numbers
USFS scores Saratoga at the 64th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 168 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Saratoga's burn probability — fire likelihood with no building count factored in — sits at the 66th percentile nationally.
Saratoga's building exposure, zone by zone
100% of Saratoga's 168 buildings sit in USFS's Direct exposure zone, roughly 168 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
How Saratoga compares
Inside Arkansas, Saratoga sits at just the 49th percentile even though it scores 64th 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, Saratoga ranks 11,239 for wildfire risk (1 is highest) and 26,089 by building count (1 is largest). Within Arkansas alone, it ranks 317 of 614 places by risk. See the full county-by-county picture for Arkansas on its state page.
Shopping for coverage in Saratoga
Saratoga's 64th-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
Because Direct exposure dominates in Saratoga (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Saratoga's 11,239-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Saratoga, see the exposure-zones guide.