Custer City, OK
Custer City wildfire risk explained
USFS's Wildfire Risk to Communities model puts Custer City at the 74th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 346 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Custer City at the 70th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Custer City's building exposure, zone by zone
Most of Custer City's buildings (67.9% of 346) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Custer City against the rest of the country
Custer City ranks lower within Oklahoma (13th percentile statewide) than its 74th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Custer City ranks 8,261 for wildfire risk (1 is highest) and 20,431 by building count (1 is largest). Within Oklahoma alone, it ranks 725 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Custer City and the insurance market
Custer City's high rating (74th 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.
What would actually reduce this score
Custer City's 67.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Custer City's figures come from
Custer City's 74th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Custer City's dominant minimal exposure actually means, with real examples from across the dataset.