Clayton, OK
Clayton wildfire risk explained
Clayton sits at the 96th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 619 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Clayton at the 97th percentile, close to its 96th-percentile risk score.
Where Clayton's buildings actually sit
USFS classifies 54.9% of Clayton's buildings as Direct exposure, higher than its 45.1% Indirect share and far above its 0% Minimal share — a profile where 340 structures sit close enough to vegetation that lot clearing matters most.
Clayton against the rest of the country
Clayton scores 96th nationally and 84th within Oklahoma — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Clayton ranks 1,327 for wildfire risk (1 is highest) and 15,578 by building count (1 is largest). Within Oklahoma alone, it ranks 130 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
Clayton's 96th-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
Because Direct exposure dominates in Clayton (54.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 619 counted buildings into the percentiles shown above for Clayton. For more on what direct exposure implies beyond Clayton, see the exposure-zones guide.