Coleman, OK
How exposed is Coleman to wildfire?
USFS's Wildfire Risk to Communities model puts Coleman at the 90th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 323 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Coleman at the 91st national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
323 buildings are counted in Coleman, and 79.9% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Coleman compares
Coleman's 90th national percentile looks worse in isolation than its 47th ranking inside Oklahoma does — this place is on the milder end for its own state, by 43 points. Among the 31,521 US communities USFS scores, Coleman ranks 3,190 for wildfire risk (1 is highest) and 21,019 by building count (1 is largest). Within Oklahoma alone, it ranks 441 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
Coleman'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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Coleman (79.9%), 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 323 counted buildings into the percentiles shown above for Coleman. For more on what direct exposure implies beyond Coleman, see the exposure-zones guide.