Lake Aluma, OK
How exposed is Lake Aluma to wildfire?
USFS scores Lake Aluma at the 75th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 55 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lake Aluma at the 76th percentile, close to its 75th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Lake Aluma: 96.4% of its 55 buildings, versus 3.6% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Lake Aluma ranks
Lake Aluma ranks lower within Oklahoma (15th percentile statewide) than its 75th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Lake Aluma ranks 7,795 for wildfire risk (1 is highest) and 30,797 by building count (1 is largest). Within Oklahoma alone, it ranks 711 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Lake Aluma and the insurance market
Lake Aluma's high rating (75th 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 96.4% of Lake Aluma 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
Lake Aluma's 75th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Lake Aluma, see the exposure-zones guide.