Adair, OK
Adair wildfire risk explained
Adair's 580 buildings earn a 86th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Adair at the 88th percentile, close to its 86th-percentile risk score.
What "at risk" means for the buildings here
65.3% of Adair's 580 buildings sit in USFS's Direct exposure zone, roughly 379 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 34.7% are Minimal.
Adair against the rest of the country
Inside Oklahoma, Adair sits at just the 34th percentile even though it scores 86th 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, Adair ranks 4,388 for wildfire risk (1 is highest) and 16,110 by building count (1 is largest). Within Oklahoma alone, it ranks 548 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Adair and the insurance market
At the 86th percentile nationally, Adair 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Adair (65.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Adair's figures come from
Adair's 86th-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 Adair's dominant direct exposure actually means, with real examples from across the dataset.