Grand Lake Towne, OK
Grand Lake Towne wildfire risk explained
USFS scores Grand Lake Towne at the 82nd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 72 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Grand Lake Towne's burn probability — fire likelihood with no building count factored in — sits at the 84th percentile nationally.
Where Grand Lake Towne's buildings actually sit
USFS classifies 97.2% of Grand Lake Towne's buildings as Direct exposure, higher than its 0% Indirect share and far above its 2.8% Minimal share — a profile where 70 structures sit close enough to vegetation that lot clearing matters most.
Grand Lake Towne against the rest of the country
Grand Lake Towne's 82nd national percentile looks worse in isolation than its 24th ranking inside Oklahoma does — this place is on the milder end for its own state, by 57 points. Among the 31,521 US communities USFS scores, Grand Lake Towne ranks 5,840 for wildfire risk (1 is highest) and 30,220 by building count (1 is largest). Within Oklahoma alone, it ranks 633 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Grand Lake Towne and the insurance market
At the 82nd percentile nationally, Grand Lake Towne 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.
What would actually reduce this score
Grand Lake Towne's 97.2% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Grand Lake Towne's 5,840-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Grand Lake Towne, see the exposure-zones guide.