Commerce, OK
Commerce, OK's wildfire risk, in USFS's own numbers
Commerce sits at the 58th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,467 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 Commerce at the 60th percentile, close to its 58th-percentile risk score.
Commerce's building exposure, zone by zone
USFS puts 89.7% of Commerce's 1,467 buildings in the Indirect exposure zone, versus 7.2% Direct and 3.1% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Commerce ranks
Commerce's 58th national percentile looks worse in isolation than its 8th ranking inside Oklahoma does — this place is on the milder end for its own state, by 50 points. Among the 31,521 US communities USFS scores, Commerce ranks 13,153 for wildfire risk (1 is highest) and 9,327 by building count (1 is largest). Within Oklahoma alone, it ranks 768 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
Commerce's elevated rating (58th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Commerce
With ember exposure the dominant pattern in Commerce (89.7% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Commerce's 58th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Commerce, see the exposure-zones guide.