Elmore City, OK
Elmore City wildfire risk explained
USFS scores Elmore City at the 94th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 533 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Elmore City's burn probability — fire likelihood with no building count factored in — sits at the 95th percentile nationally.
Elmore City's building exposure, zone by zone
533 buildings are counted in Elmore City, and 73.6% of them are Indirect exposure — ember-driven risk rather than the 26.5% in Direct exposure or the 0% rated Minimal.
Elmore City against the rest of the country
Inside Oklahoma, Elmore City sits at just the 74th percentile even though it scores 94th 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, Elmore City ranks 1,864 for wildfire risk (1 is highest) and 16,828 by building count (1 is largest). Within Oklahoma alone, it ranks 219 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Elmore City and the insurance market
At the 94th percentile nationally, Elmore City 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.
Lowering exposure, not just insuring around it
Because 73.6% of Elmore City's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Elmore City's figures come from
The methodology guide shows exactly how USFS turned 533 counted buildings into the percentiles shown above for Elmore City. The exposure-zones guide covers what Elmore City's dominant indirect exposure actually means, with real examples from across the dataset.