Catoosa, OK
How exposed is Catoosa to wildfire?
USFS scores Catoosa at the 74th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 3,935 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Catoosa's burn probability — fire likelihood with no building count factored in — sits at the 75th percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in Catoosa (50.4% of 3,935 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 43.7% sit in the Direct zone.
Catoosa against the rest of the country
Inside Oklahoma, Catoosa sits at just the 13th percentile even though it scores 74th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Catoosa ranks 8,299 for wildfire risk (1 is highest) and 4,301 by building count (1 is largest). Within Oklahoma alone, it ranks 726 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Catoosa and the insurance market
Catoosa's 74th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Catoosa's 50.4% 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
Every one of the two percentiles behind Catoosa's 8,299-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Catoosa, see the exposure-zones guide.