Fargo, OK
Fargo wildfire risk explained
Fargo sits at the 98th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 259 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fargo at the 98th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Fargo's building exposure, zone by zone
91.9% of Fargo's 259 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 8.1% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Fargo against the rest of the country
Fargo scores 98th nationally and 97th within Oklahoma — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Fargo ranks 704 for wildfire risk (1 is highest) and 22,863 by building count (1 is largest). Within Oklahoma alone, it ranks 25 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Fargo and the insurance market
Fargo's very high rating (98th 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
Because 91.9% of Fargo'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.
More on how this number was built
The methodology guide shows exactly how USFS turned 259 counted buildings into the percentiles shown above for Fargo. For more on what indirect exposure implies beyond Fargo, see the exposure-zones guide.