Lima, OK
How exposed is Lima to wildfire?
USFS scores Lima at the 94th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 73 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lima's burn probability — fire likelihood with no building count factored in — sits at the 96th percentile nationally.
What "at risk" means for the buildings here
73 buildings are counted in Lima, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Lima compares
Lima's 94th national percentile looks worse in isolation than its 75th ranking inside Oklahoma does — this place is on the milder end for its own state, by 19 points. Among the 31,521 US communities USFS scores, Lima ranks 1,765 for wildfire risk (1 is highest) and 30,184 by building count (1 is largest). Within Oklahoma alone, it ranks 206 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
Lima's very high rating (94th 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.
What would actually reduce this score
With 100% of Lima 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.
Where Lima's figures come from
Lima's 94th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Lima's dominant direct exposure actually means, with real examples from across the dataset.