Loco, OK
Loco wildfire risk explained
Loco's 131 buildings earn a 94th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Loco's burn probability — fire likelihood with no building count factored in — sits at the 95th percentile nationally.
Loco's building exposure, zone by zone
Direct exposure dominates in Loco: 57.3% of its 131 buildings, versus 42.8% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Loco ranks
Loco ranks lower within Oklahoma (74th percentile statewide) than its 94th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Loco ranks 1,866 for wildfire risk (1 is highest) and 27,686 by building count (1 is largest). Within Oklahoma alone, it ranks 221 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Loco and the insurance market
Loco's 94th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Loco (57.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 131 counted buildings into the percentiles shown above for Loco. For more on what direct exposure implies beyond Loco, see the exposure-zones guide.