Duncan, OK
Duncan wildfire risk explained
Duncan sits at the 92nd 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 13,742 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Duncan's burn probability — fire likelihood with no building count factored in — sits at the 92nd percentile nationally.
Duncan's building exposure, zone by zone
13,742 buildings are counted in Duncan, and 36.5% of them are Indirect exposure — ember-driven risk rather than the 28.8% in Direct exposure or the 34.8% rated Minimal. At 13,742 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Duncan compares
Inside Oklahoma, Duncan sits at just the 55th percentile even though it scores 92nd 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, Duncan ranks 2,680 for wildfire risk (1 is highest) and 1,102 by building count (1 is largest). Within Oklahoma alone, it ranks 375 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Duncan and the insurance market
Duncan's very high rating (92nd 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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Duncan (36.5% 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
Every one of the two percentiles behind Duncan's 2,680-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Duncan, see the exposure-zones guide.