Carmen, OK
How exposed is Carmen to wildfire?
Out of every US place USFS scores, Carmen lands at the 50th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 368 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Carmen's burn probability — fire likelihood with no building count factored in — sits at the 47th percentile nationally.
Carmen's building exposure, zone by zone
Most of Carmen's buildings (72% of 368) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Carmen compares
Carmen's 50th national percentile looks worse in isolation than its 5th ranking inside Oklahoma does — this place is on the milder end for its own state, by 45 points. Among the 31,521 US communities USFS scores, Carmen ranks 15,800 for wildfire risk (1 is highest) and 19,912 by building count (1 is largest). Within Oklahoma alone, it ranks 791 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Shopping for coverage in Carmen
Carmen's elevated wildfire rating (50th 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.
Lowering exposure, not just insuring around it
With 72% of buildings rated Minimal exposure, Carmen gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Carmen's figures come from
Every one of the two percentiles behind Carmen's 15,800-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Carmen's dominant minimal exposure actually means, with real examples from across the dataset.