Adams, OK
How exposed is Adams to wildfire?
Adams sits at the 79th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 123 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Adams's burn probability — fire likelihood with no building count factored in — sits at the 78th percentile nationally.
Where Adams's buildings actually sit
Adams rates 57.7% Minimal exposure against just 42.3% Direct and 0% Indirect — of 123 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Adams ranks
Inside Oklahoma, Adams sits at just the 18th percentile even though it scores 79th 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, Adams ranks 6,626 for wildfire risk (1 is highest) and 28,028 by building count (1 is largest). Within Oklahoma alone, it ranks 679 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
What this risk score means for insurance
Adams's high rating (79th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Adams's 57.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Adams's figures come from
The methodology guide shows exactly how USFS turned 123 counted buildings into the percentiles shown above for Adams. The exposure-zones guide covers what Adams's dominant minimal exposure actually means, with real examples from across the dataset.