Fairland, OK
How exposed is Fairland to wildfire?
USFS scores Fairland at the 81st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 678 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fairland at the 83rd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
40.4% of Fairland's 678 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 32.9% Direct and 26.7% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Fairland against the rest of the country
Inside Oklahoma, Fairland sits at just the 23rd percentile even though it scores 81st 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, Fairland ranks 5,934 for wildfire risk (1 is highest) and 14,888 by building count (1 is largest). Within Oklahoma alone, it ranks 643 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
Fairland's 81st-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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Fairland (40.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Fairland's figures come from
The methodology guide shows exactly how USFS turned 678 counted buildings into the percentiles shown above for Fairland. The exposure-zones guide covers what Fairland's dominant indirect exposure actually means, with real examples from across the dataset.