Calvin, OK
How exposed is Calvin to wildfire?
Calvin sits at the 90th 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 309 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Calvin's burn probability — fire likelihood with no building count factored in — sits at the 93rd percentile nationally.
What "at risk" means for the buildings here
USFS classifies 58.3% of Calvin's buildings as Direct exposure, higher than its 41.8% Indirect share and far above its 0% Minimal share — a profile where 180 structures sit close enough to vegetation that lot clearing matters most.
Where Calvin ranks
Calvin's 90th national percentile looks worse in isolation than its 48th ranking inside Oklahoma does — this place is on the milder end for its own state, by 42 points. Among the 31,521 US communities USFS scores, Calvin ranks 3,151 for wildfire risk (1 is highest) and 21,405 by building count (1 is largest). Within Oklahoma alone, it ranks 435 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
Calvin's very high rating (90th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
With 58.3% of Calvin in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Calvin's figures come from
Every one of the two percentiles behind Calvin's 3,151-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Calvin's dominant direct exposure actually means, with real examples from across the dataset.