Albion, OK
How exposed is Albion to wildfire?
Out of every US place USFS scores, Albion lands at the 97th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 95 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Albion's burn probability — fire likelihood with no building count factored in — sits at the 99th percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Albion: 73.7% of its 95 buildings, versus 26.3% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Albion against the rest of the country
Albion's risk sits at a similar level relative to Oklahoma (92nd percentile statewide) as it does nationally (97th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Albion ranks 1,007 for wildfire risk (1 is highest) and 29,283 by building count (1 is largest). Within Oklahoma alone, it ranks 62 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
At the 97th percentile nationally, Albion 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 Albion
Albion's 73.7% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 95 counted buildings into the percentiles shown above for Albion. For more on what direct exposure implies beyond Albion, see the exposure-zones guide.