Carter, OK
How exposed is Carter to wildfire?
USFS's Wildfire Risk to Communities model puts Carter at the 87th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 258 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Carter's burn probability — fire likelihood with no building count factored in — sits at the 86th percentile nationally.
Where Carter's buildings actually sit
Of Carter's 258 counted buildings, 39.5% carry Direct exposure and only 28.7% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Carter compares
Carter ranks lower within Oklahoma (37th percentile statewide) than its 87th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Carter ranks 4,098 for wildfire risk (1 is highest) and 22,897 by building count (1 is largest). Within Oklahoma alone, it ranks 527 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Carter and the insurance market
Carter's very high rating (87th 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 39.5% of Carter 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.
More on how this number was built
Every one of the two percentiles behind Carter's 4,098-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Carter, see the exposure-zones guide.