Loveland, OK
How exposed is Loveland to wildfire?
USFS scores Loveland at the 89th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 15 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Loveland at the 87th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Loveland's buildings actually sit
Loveland rates 73.3% Minimal exposure against just 26.7% Direct and 0% Indirect — of 15 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. This is a small settlement by building count — 15 total — so these shares describe a handful of structures, not a statistical average across thousands.
Loveland against the rest of the country
Inside Oklahoma, Loveland sits at just the 42nd percentile even though it scores 89th 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, Loveland ranks 3,533 for wildfire risk (1 is highest) and 31,489 by building count (1 is largest). Within Oklahoma alone, it ranks 480 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Loveland and the insurance market
Loveland's 89th-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.
What would actually reduce this score
Even with 73.3% of Loveland outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 15 counted buildings into the percentiles shown above for Loveland. At 15 buildings, Loveland is close to the size where USFS's data gets thin — the data-quality guide explains why 517 places nationally get no score at all.