Hobart, OK
Hobart wildfire risk explained
USFS's Wildfire Risk to Communities model puts Hobart at the 59th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 2,435 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hobart's burn probability — fire likelihood with no building count factored in — sits at the 54th percentile nationally.
Hobart's building exposure, zone by zone
Hobart rates 94.5% Minimal exposure against just 5.5% Direct and 0% Indirect — of 2,435 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Hobart ranks
Inside Oklahoma, Hobart sits at just the 8th percentile even though it scores 59th 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, Hobart ranks 12,810 for wildfire risk (1 is highest) and 6,429 by building count (1 is largest). Within Oklahoma alone, it ranks 766 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Hobart and the insurance market
Hobart's elevated rating (59th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Hobart
Even with 94.5% of Hobart outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Hobart's 59th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Hobart, see the exposure-zones guide.