Arkansas wildfire risk
Arkansas sits in the lower half of US states for wildfire hazard, but lower does not mean none — hazard concentrates locally regardless of the statewide picture. This page covers current activity and how to check your own address.
Active fires in Arkansas
Arkansas's recorded fire history
Federal perimeter records list 746 mapped wildfires in Arkansas since 2000. The largest on that record is the No Mans Land Fire of 2006, which burned 8,403 acres.
| Fire | Year | Area burned |
|---|---|---|
| No Mans Land Fire | 2006 | 8,403 acres |
| Mcwa E & W Fire | 2009 | 7,001 acres |
| Ashford & Welch Mtn Fire | 2009 | 5,616 acres |
| Sulphur Mountain Fire | 2006 | 4,476 acres |
Recorded history feeds directly into your address score: our model counts mapped burns within 25 miles of a parcel, weighted toward large ones. It is worth knowing the limitation, though — a long record of successful suppression can leave an area reading quiet while fuel accumulates, which is precisely the condition that produces the next large fire.
Where hazard concentrates in Arkansas
Wildfire hazard is not spread evenly across a state. These are the 5 counties in Arkansas with the highest wildfire risk scores in FEMA's National Risk Index, with the building value each has sitting in exposed areas.
| County | Hazard score | Building exposure |
|---|---|---|
| Washington County | 94.1 | $4.5B |
| Benton County | 92.8 | $4.8B |
| Crawford County | 91.1 | $2.0B |
| Sebastian County | 90.4 | $2.0B |
| Franklin County | 82.5 | $929M |
Washington County carries the highest score in the state at 94.1. If your address is there, or in any of the counties above, the statewide average understates your situation considerably — which is the reason to check the parcel rather than the state.
How Arkansas ranks nationally
FEMA's National Risk Index scores every US county for expected annual wildfire loss. Across Arkansas's 75 assessed counties the average wildfire hazard score is 47.0, which places the state 27th of the 50 states. The most exposed county in Arkansas scores 94.1.
Against a 50-state average of 52.7, Arkansas sits 5.7 points below it. Rank 27 of 50. The National Risk Index blends how often wildfire is expected with how much is standing in the way, so a state can post a moderate score with severe local hazard wherever development has pushed into the wildland-urban interface.
Roughly $67.8B of building value sits inside Arkansas's wildfire-exposed areas. That figure is what drives carrier behaviour: insurers manage concentration of exposure, so a state can have modest average hazard and still see availability problems wherever that value clusters in the wildland-urban interface.
Arkansas wildfire season
Arkansas has a different pattern from the western states: fire activity concentrates in the drier winter and spring months rather than high summer, and a large share of recorded burns are prescribed fire rather than wildfire.
Insurance in Arkansas
Arkansas does not operate a FAIR Plan in the way the western fire states do, which in practice means the surplus lines market is the fallback for a parcel the admitted market declines. An independent broker is more useful here than a captive agent, because only they can access those carriers.
Residual-market availability and the rules governing it change. Confirm the current position with the Arkansas Department of Insurance before you rely on it.
Whatever the market looks like in your area, the sequence is the same: document mitigation before your renewal date, work with an independent broker who can access surplus lines, and ask directly whether the carrier credits wildfire mitigation. The full fire insurance guide covers non-renewal, FAIR Plans and difference-in-conditions wraps in detail.
Lowering your risk in Arkansas
The two changes with the best return anywhere in the country are clearing the first five feet around the structure to non-combustible material, and screening vents against ember entry. Both are cheap, both address the mechanism that destroys most homes, and both are visible to an underwriter if you photograph and invoice them. What qualifies and how to document it.