Lane, OK
Lane, OK's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Lane lands at the 90th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 415 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lane's burn probability — fire likelihood with no building count factored in — sits at the 92nd percentile nationally.
Where Lane's buildings actually sit
Direct exposure dominates in Lane: 92.8% of its 415 buildings, versus 7.2% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Lane compares
Inside Oklahoma, Lane sits at just the 47th percentile even though it scores 90th 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, Lane ranks 3,220 for wildfire risk (1 is highest) and 18,934 by building count (1 is largest). Within Oklahoma alone, it ranks 444 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
Lane's very high rating (90th 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.
Hardening a home in Lane
Lane's 92.8% 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.
Where Lane's figures come from
The methodology guide shows exactly how USFS turned 415 counted buildings into the percentiles shown above for Lane. The exposure-zones guide covers what Lane's dominant direct exposure actually means, with real examples from across the dataset.