Arkoma, OK
Arkoma wildfire risk explained
Arkoma sits at the 75th 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 1,108 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Arkoma at the 79th national percentile — 4 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of Arkoma's buildings (70.9% of 1,108) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Arkoma compares
Arkoma's 75th national percentile looks worse in isolation than its 14th ranking inside Oklahoma does — this place is on the milder end for its own state, by 61 points. Among the 31,521 US communities USFS scores, Arkoma ranks 7,922 for wildfire risk (1 is highest) and 11,234 by building count (1 is largest). Within Oklahoma alone, it ranks 714 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 75th percentile nationally, Arkoma carries the 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
Even with 70.9% of Arkoma outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Arkoma's figures come from
Every one of the two percentiles behind Arkoma's 7,922-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Arkoma's dominant minimal exposure actually means, with real examples from across the dataset.