Fort Cobb, OK
Fort Cobb wildfire risk explained
Fort Cobb sits at the 93rd 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 455 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fort Cobb at the 93rd national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Fort Cobb's buildings actually sit
USFS puts 80.4% of Fort Cobb's 455 buildings in the Indirect exposure zone, versus 19.6% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Fort Cobb compares
Inside Oklahoma, Fort Cobb sits at just the 65th percentile even though it scores 93rd 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, Fort Cobb ranks 2,212 for wildfire risk (1 is highest) and 18,183 by building count (1 is largest). Within Oklahoma alone, it ranks 290 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
At the 93rd percentile nationally, Fort Cobb 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.
Hardening a home in Fort Cobb
Fort Cobb's 80.4% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Fort Cobb's 2,212-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Fort Cobb, see the exposure-zones guide.