Stephens, AR
Stephens wildfire risk explained
Stephens sits at the 55th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 604 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Stephens at the 56th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Stephens's buildings actually sit
Of Stephens's 604 counted buildings, 50.2% 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.
Stephens against the rest of the country
Inside Arkansas, Stephens sits at just the 32nd percentile even though it scores 55th 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, Stephens ranks 14,268 for wildfire risk (1 is highest) and 15,780 by building count (1 is largest). Within Arkansas alone, it ranks 421 of 614 places by risk. See the full county-by-county picture for Arkansas on its state page.
Shopping for coverage in Stephens
Stephens's elevated rating (55th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Stephens's 50.2% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Stephens's figures come from
The methodology guide shows exactly how USFS turned 604 counted buildings into the percentiles shown above for Stephens. The exposure-zones guide covers what Stephens's dominant direct exposure actually means, with real examples from across the dataset.