St. Joe, AR
St. Joe wildfire risk explained
St. Joe sits at the 82nd percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 152 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks St. Joe at the 85th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where St. Joe's buildings actually sit
Of St. Joe's 152 counted buildings, 98.7% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
St. Joe against the rest of the country
St. Joe's risk sits at a similar level relative to Arkansas (87th percentile statewide) as it does nationally (82nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, St. Joe ranks 5,695 for wildfire risk (1 is highest) and 26,787 by building count (1 is largest). Within Arkansas alone, it ranks 83 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 82nd percentile nationally, St. Joe 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 St. Joe
With 98.7% of St. Joe in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind St. Joe's 5,695-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond St. Joe, see the exposure-zones guide.