Clarita, OK
Clarita wildfire risk explained
Out of every US place USFS scores, Clarita lands at the 96th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 219 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Clarita's burn probability — fire likelihood with no building count factored in — sits at the 97th percentile nationally.
Clarita's building exposure, zone by zone
96.8% of Clarita's 219 buildings sit in USFS's Direct exposure zone, roughly 212 structures close enough to burnable vegetation for flame contact, not just embers — 3.2% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Clarita ranks
Clarita's risk sits at a similar level relative to Oklahoma (82nd percentile statewide) as it does nationally (96th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Clarita ranks 1,423 for wildfire risk (1 is highest) and 24,169 by building count (1 is largest). Within Oklahoma alone, it ranks 147 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
Clarita's very high rating (96th 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.
Lowering exposure, not just insuring around it
With 96.8% of Clarita 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.
Where Clarita's figures come from
The methodology guide shows exactly how USFS turned 219 counted buildings into the percentiles shown above for Clarita. The exposure-zones guide covers what Clarita's dominant direct exposure actually means, with real examples from across the dataset.