Cumberland, OK
Cumberland, OK's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Cumberland at the 79th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 382 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cumberland's burn probability — fire likelihood with no building count factored in — sits at the 81st percentile nationally.
What "at risk" means for the buildings here
USFS classifies 94.5% of Cumberland's buildings as Direct exposure, higher than its 5.2% Indirect share and far above its 0.3% Minimal share — a profile where 361 structures sit close enough to vegetation that lot clearing matters most.
How Cumberland compares
Inside Oklahoma, Cumberland sits at just the 19th percentile even though it scores 79th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Cumberland ranks 6,500 for wildfire risk (1 is highest) and 19,602 by building count (1 is largest). Within Oklahoma alone, it ranks 675 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
Cumberland's 79th-percentile, 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
Cumberland's 94.5% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Cumberland's figures come from
Every one of the two percentiles behind Cumberland's 6,500-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Cumberland's dominant direct exposure actually means, with real examples from across the dataset.