Siloam Springs, AR
Siloam Springs, AR's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Siloam Springs at the 88th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 6,324 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Siloam Springs's burn probability — fire likelihood with no building count factored in — sits at the 90th percentile nationally.
What "at risk" means for the buildings here
USFS puts 56.8% of Siloam Springs's 6,324 buildings in the Indirect exposure zone, versus 35% Direct and 8.2% Minimal — a place where the fire doesn't need to reach the structure directly for embers to. At 6,324 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Siloam Springs ranks
Siloam Springs's risk sits at a similar level relative to Arkansas (97th percentile statewide) as it does nationally (88th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Siloam Springs ranks 3,803 for wildfire risk (1 is highest) and 2,738 by building count (1 is largest). Within Arkansas alone, it ranks 22 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 88th percentile nationally, Siloam Springs carries the very 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.
Hardening a home in Siloam Springs
Because 56.8% of Siloam Springs's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Siloam Springs's figures come from
The methodology guide shows exactly how USFS turned 6,324 counted buildings into the percentiles shown above for Siloam Springs. The exposure-zones guide covers what Siloam Springs's dominant indirect exposure actually means, with real examples from across the dataset.