Carnegie, OK
Carnegie, OK's wildfire risk, in USFS's own numbers
Carnegie's 1,093 buildings earn a 88th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Carnegie at the 88th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Carnegie's building exposure, zone by zone
Most of Carnegie's buildings (85.6%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Carnegie against the rest of the country
Carnegie's 88th national percentile looks worse in isolation than its 41st ranking inside Oklahoma does — this place is on the milder end for its own state, by 48 points. Among the 31,521 US communities USFS scores, Carnegie ranks 3,694 for wildfire risk (1 is highest) and 11,323 by building count (1 is largest). Within Oklahoma alone, it ranks 495 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
Carnegie's very high rating (88th 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.
Hardening a home in Carnegie
Carnegie's 85.6% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,093 counted buildings into the percentiles shown above for Carnegie. For more on what indirect exposure implies beyond Carnegie, see the exposure-zones guide.