Fairfax, OK
How exposed is Fairfax to wildfire?
USFS scores Fairfax at the 94th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,044 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fairfax at the 94th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Fairfax's buildings actually sit
Most of Fairfax's buildings (88.6%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Fairfax against the rest of the country
Fairfax ranks lower within Oklahoma (69th percentile statewide) than its 94th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Fairfax ranks 2,019 for wildfire risk (1 is highest) and 11,635 by building count (1 is largest). Within Oklahoma alone, it ranks 255 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
Fairfax's 94th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
With ember exposure the dominant pattern in Fairfax (88.6% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Fairfax's figures come from
The methodology guide shows exactly how USFS turned 1,044 counted buildings into the percentiles shown above for Fairfax. The exposure-zones guide covers what Fairfax's dominant indirect exposure actually means, with real examples from across the dataset.