Elgin, OK
How exposed is Elgin to wildfire?
Out of every US place USFS scores, Elgin lands at the 95th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 1,540 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Elgin at the 95th percentile, close to its 95th-percentile risk score.
What "at risk" means for the buildings here
Indirect exposure is dominant in Elgin (61.8% of 1,540 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 38.2% sit in the Direct zone.
Where Elgin ranks
Elgin's 95th national percentile looks worse in isolation than its 77th ranking inside Oklahoma does — this place is on the milder end for its own state, by 17 points. Among the 31,521 US communities USFS scores, Elgin ranks 1,677 for wildfire risk (1 is highest) and 8,983 by building count (1 is largest). Within Oklahoma alone, it ranks 189 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
Elgin's very high rating (95th 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
Elgin's 61.8% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,540 counted buildings into the percentiles shown above for Elgin. For more on what indirect exposure implies beyond Elgin, see the exposure-zones guide.