Breckenridge, OK
How exposed is Breckenridge to wildfire?
USFS scores Breckenridge at the 49th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 291 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Breckenridge at the 46th percentile, close to its 49th-percentile risk score.
Where Breckenridge's buildings actually sit
USFS classifies 72.9% of Breckenridge's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 27.2% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Breckenridge against the rest of the country
Inside Oklahoma, Breckenridge sits at just the 5th percentile even though it scores 49th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Breckenridge ranks 16,015 for wildfire risk (1 is highest) and 21,888 by building count (1 is largest). Within Oklahoma alone, it ranks 793 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Breckenridge and the insurance market
Breckenridge's elevated rating (49th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Even with 72.9% of Breckenridge 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 291 counted buildings into the percentiles shown above for Breckenridge. For more on what minimal exposure implies beyond Breckenridge, see the exposure-zones guide.