Grandfield, OK
Grandfield wildfire risk explained
Out of every US place USFS scores, Grandfield lands at the 81st percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 812 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Grandfield at the 78th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Grandfield's buildings actually sit
86.6% of Grandfield's 812 buildings sit in USFS's Minimal exposure zone, with only 13.4% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Grandfield compares
Inside Oklahoma, Grandfield sits at just the 22nd 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, Grandfield ranks 6,118 for wildfire risk (1 is highest) and 13,538 by building count (1 is largest). Within Oklahoma alone, it ranks 653 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 81st percentile nationally, Grandfield 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.
Lowering exposure, not just insuring around it
With 86.6% of buildings rated Minimal exposure, Grandfield gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 812 counted buildings into the percentiles shown above for Grandfield. For more on what minimal exposure implies beyond Grandfield, see the exposure-zones guide.