Cedar Lake, OK
Cedar Lake, OK's wildfire risk, in USFS's own numbers
USFS scores Cedar Lake at the 90th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 490 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cedar Lake at the 90th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Cedar Lake's building exposure, zone by zone
Direct exposure dominates in Cedar Lake: 99.2% of its 490 buildings, versus 0.2% Indirect and 0.6% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Cedar Lake ranks
Cedar Lake'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, Cedar Lake ranks 3,152 for wildfire risk (1 is highest) and 17,536 by building count (1 is largest). Within Oklahoma alone, it ranks 436 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
Cedar Lake's 90th-percentile, very 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
With 99.2% of Cedar Lake 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
Cedar Lake's 90th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Cedar Lake, see the exposure-zones guide.