Elmer, OK
Elmer wildfire risk explained
USFS's Wildfire Risk to Communities model puts Elmer at the 72nd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 96 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Elmer at the 67th percentile, close to its 72nd-percentile risk score.
Where Elmer's buildings actually sit
96 buildings are counted in Elmer, and 60.4% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Elmer ranks
Elmer ranks lower within Oklahoma (11th percentile statewide) than its 72nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Elmer ranks 8,862 for wildfire risk (1 is highest) and 29,245 by building count (1 is largest). Within Oklahoma alone, it ranks 740 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Elmer and the insurance market
At the 72nd percentile nationally, Elmer carries the 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 60.4% of Elmer in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Elmer's figures come from
The methodology guide shows exactly how USFS turned 96 counted buildings into the percentiles shown above for Elmer. The exposure-zones guide covers what Elmer's dominant direct exposure actually means, with real examples from across the dataset.