Smithville, AR
How exposed is Smithville to wildfire?
USFS's Wildfire Risk to Communities model puts Smithville at the 77th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 101 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 Smithville at the 80th percentile, close to its 77th-percentile risk score.
Smithville's building exposure, zone by zone
Direct exposure dominates in Smithville: 81.2% of its 101 buildings, versus 18.8% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Smithville against the rest of the country
Smithville scores 77th nationally and 71st within Arkansas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Smithville ranks 7,305 for wildfire risk (1 is highest) and 28,980 by building count (1 is largest). Within Arkansas alone, it ranks 183 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
Smithville's 77th-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 Smithville (81.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Smithville's figures come from
Smithville's 77th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Smithville's dominant direct exposure actually means, with real examples from across the dataset.