Bearden, OK
Bearden wildfire risk explained
USFS scores Bearden at the 98th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 173 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bearden's burn probability — fire likelihood with no building count factored in — sits at the 98th percentile nationally.
Where Bearden's buildings actually sit
173 buildings are counted in Bearden, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Bearden against the rest of the country
There's little gap between Bearden's 98th national percentile and its 96th percentile inside Oklahoma, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Bearden ranks 765 for wildfire risk (1 is highest) and 25,910 by building count (1 is largest). Within Oklahoma alone, it ranks 31 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Shopping for coverage in Bearden
Bearden's 98th-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.
What would actually reduce this score
Because Direct exposure dominates in Bearden (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Bearden's figures come from
Bearden's 98th-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 Bearden's dominant direct exposure actually means, with real examples from across the dataset.