Lotsee, OK
How exposed is Lotsee to wildfire?
Lotsee sits at the 92nd percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 5 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lotsee at the 94th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
100% of Lotsee's 5 buildings sit in USFS's Direct exposure zone, roughly 5 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal. This is a small settlement by building count — 5 total — so these shares describe a handful of structures, not a statistical average across thousands.
How Lotsee compares
Lotsee's 92nd national percentile looks worse in isolation than its 60th ranking inside Oklahoma does — this place is on the milder end for its own state, by 32 points. Among the 31,521 US communities USFS scores, Lotsee ranks 2,404 for wildfire risk (1 is highest) and 31,519 by building count (1 is largest). Within Oklahoma alone, it ranks 332 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
Lotsee's very high rating (92nd 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
Because Direct exposure dominates in Lotsee (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Lotsee's figures come from
Every one of the two percentiles behind Lotsee's 2,404-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. Small places like Lotsee (5 buildings) are exactly where USFS's underlying data gets sparsest — see the data-quality guide for the 517 places that didn't clear the bar.