Durham, OK
Durham wildfire risk explained
USFS's Wildfire Risk to Communities model puts Durham at the 99th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 41 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Durham at the 99th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Durham's building exposure, zone by zone
41 buildings are counted in Durham, and 65.9% of them are Indirect exposure — ember-driven risk rather than the 34.2% in Direct exposure or the 0% rated Minimal.
How Durham compares
There's little gap between Durham's 99th national percentile and its 100th percentile inside Oklahoma, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Durham ranks 421 for wildfire risk (1 is highest) and 31,150 by building count (1 is largest). Within Oklahoma alone, it ranks 4 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Shopping for coverage in Durham
At the 99th percentile nationally, Durham carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
With ember exposure the dominant pattern in Durham (65.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Durham's figures come from
Every one of the two percentiles behind Durham's 421-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Durham's dominant indirect exposure actually means, with real examples from across the dataset.