Beaver, OK
Beaver, OK's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Beaver at the 98th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 1,074 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Beaver at the 99th national percentile — 1 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
Indirect exposure is dominant in Beaver (81.9% of 1,074 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 18.1% sit in the Direct zone.
Beaver against the rest of the country
Beaver scores 98th nationally and 98th within Oklahoma — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Beaver ranks 608 for wildfire risk (1 is highest) and 11,440 by building count (1 is largest). Within Oklahoma alone, it ranks 18 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Beaver and the insurance market
Beaver'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.
Hardening a home in Beaver
With ember exposure the dominant pattern in Beaver (81.9% 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
Beaver's 98th-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 Beaver, see the exposure-zones guide.