Calumet, OK
How exposed is Calumet to wildfire?
USFS scores Calumet at the 56th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 364 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Calumet at the 52nd national percentile — 5 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Calumet rates 68.1% Minimal exposure against just 22.5% Direct and 9.3% Indirect — of 364 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Calumet ranks
Calumet's 56th national percentile looks worse in isolation than its 7th ranking inside Oklahoma does — this place is on the milder end for its own state, by 49 points. Among the 31,521 US communities USFS scores, Calumet ranks 13,718 for wildfire risk (1 is highest) and 19,986 by building count (1 is largest). Within Oklahoma alone, it ranks 774 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
Calumet's elevated wildfire rating (56th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
With 68.1% of buildings rated Minimal exposure, Calumet gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Calumet's figures come from
The methodology guide shows exactly how USFS turned 364 counted buildings into the percentiles shown above for Calumet. The exposure-zones guide covers what Calumet's dominant minimal exposure actually means, with real examples from across the dataset.