Foster, OK
Foster, OK's wildfire risk, in USFS's own numbers
Foster sits at the 94th 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 448 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Foster at the 95th percentile, close to its 94th-percentile risk score.
What "at risk" means for the buildings here
90.2% of Foster's 448 buildings sit in USFS's Direct exposure zone, roughly 404 structures close enough to burnable vegetation for flame contact, not just embers — 9.8% fall in the Indirect, ember-only zone and 0% are Minimal.
How Foster compares
Foster's 94th national percentile looks worse in isolation than its 70th ranking inside Oklahoma does — this place is on the milder end for its own state, by 24 points. Among the 31,521 US communities USFS scores, Foster ranks 2,021 for wildfire risk (1 is highest) and 18,319 by building count (1 is largest). Within Oklahoma alone, it ranks 257 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Foster and the insurance market
Foster's very high rating (94th 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.
Lowering exposure, not just insuring around it
With 90.2% of Foster in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 448 counted buildings into the percentiles shown above for Foster. For more on what direct exposure implies beyond Foster, see the exposure-zones guide.