St. Francis, AR
St. Francis wildfire risk explained
St. Francis sits at the 24th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 172 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, St. Francis's burn probability — fire likelihood with no building count factored in — sits at the 24th percentile nationally.
Where St. Francis's buildings actually sit
Indirect exposure is dominant in St. Francis (73.3% of 172 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 26.7% sit in the Direct zone.
St. Francis against the rest of the country
St. Francis scores 24th nationally and 11th 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, St. Francis ranks 24,036 for wildfire risk (1 is highest) and 25,925 by building count (1 is largest). Within Arkansas alone, it ranks 548 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
St. Francis's moderate wildfire rating (24th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
St. Francis's 73.3% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind St. Francis's 24,036-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond St. Francis, see the exposure-zones guide.