Kremlin, OK
Kremlin wildfire risk explained
Kremlin sits at the 55th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 202 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Kremlin at the 52nd national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of Kremlin's buildings (92.6% of 202) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Kremlin against the rest of the country
Kremlin ranks lower within Oklahoma (7th percentile statewide) than its 55th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Kremlin ranks 14,162 for wildfire risk (1 is highest) and 24,779 by building count (1 is largest). Within Oklahoma alone, it ranks 779 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
Kremlin's elevated wildfire rating (55th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Kremlin's 92.6% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 202 counted buildings into the percentiles shown above for Kremlin. For more on what minimal exposure implies beyond Kremlin, see the exposure-zones guide.