Atoka, OK
How exposed is Atoka to wildfire?
Atoka sits at the 93rd percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 2,036 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Atoka at the 95th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Atoka's building exposure, zone by zone
68.5% of Atoka's 2,036 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 31.5% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Atoka against the rest of the country
Atoka ranks lower within Oklahoma (62nd percentile statewide) than its 93rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Atoka ranks 2,337 for wildfire risk (1 is highest) and 7,370 by building count (1 is largest). Within Oklahoma alone, it ranks 318 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
Atoka's 93rd-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Atoka (68.5% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Atoka's 93rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Atoka, see the exposure-zones guide.